Everyone knows that insurance companies don’t want you to look for cheaper rates. Consumers who shop around for a cheaper policy will presumably buy a new policy because there is a significant possibility of finding a policy with more affordable rates. A study discovered that consumers who routinely compared quotes saved as much as $3,400 over four years compared to policyholders who never shopped around for better prices.
If finding the lowest price on insurance is your intention, then having some knowledge of how to get price quotes and compare car insurance can help simplify the process.
If saving the most money is your goal, then the best way to get cheaper auto insurance rates is to make a habit of regularly comparing prices from companies who sell auto insurance in Jersey City.
- Step 1: Gain an understanding of auto insurance and the measures you can take to prevent expensive coverage. Many rating factors that drive up the price such as speeding tickets, careless driving and a poor credit rating can be rectified by improving your driving habits or financial responsibility. Continue reading for more details to help keep rates affordable and get additional discounts that may be available.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while agents who are independent can quote prices from many different companies.
- Step 3: Compare the new rate quotes to the premium of your current policy to see if cheaper G6 coverage is available. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to remember is to use similar coverage information on every price quote and and to get quotes from as many companies as feasibly possible. Doing this ensures a fair price comparison and plenty of rates choose from.
Pontiac G6 insurance discounts in Jersey City
Insuring your fleet can be pricey, but companies offer discounts that may help make it more affordable. Certain credits will be shown at the time of quoting, but lesser-known reductions have to be manually applied in order for you to get them.
- Life Insurance – Select companies reward you with a break if you buy auto and life insurance together.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Student Discount for Driver Training – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- Bundled Policy Discount – If you insure your home and vehicles with one company you may save at least 10 to 15 percent or more.
- Clubs and Organizations – Participating in qualifying clubs or civic groups could trigger savings on your policy.
- Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
We need to note that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.
The chart below visualizes the comparison of Pontiac G6 auto insurance costs with and without some available policy discounts. The premiums assume a female driver, no claims or violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.
To view providers that offer the discounts shown above in Jersey City, click here.
The quickest way to compare car insurance company rates for Pontiac G6 insurance in Jersey City takes advantage of the fact auto insurance companies participate in online systems to give rate comparisons. The only thing you need to do is provide details such as if it has an alarm system, what you do for a living, which vehicles you own, and whether or not you need a SR-22. Your insurance information is then sent to multiple auto insurance providers and they return cost estimate immediately.
To check Pontiac G6 insurance prices now, click here and find out if lower rates are available in Jersey City.
The providers in the list below can provide quotes in New Jersey. If multiple companies are listed, we suggest you compare several of them to get a more complete price comparison.
Pontiac G6 insurance statistics and information
The coverage table shown below outlines a range of insurance rates for Pontiac G6 models. Having a better understanding of how insurance policy premiums are established is important for making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $260 | $494 | $504 | $30 | $152 | $1,440 | $120 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in your specific Jersey City location which can modify price quotes considerably.
Comparison of policy deductibles
When buying auto insurance, a common question is the level to set your comp and collision deductibles. The figures shown below may help you to understand how much more rates are when you buy lower versus higher deductibles. The first rate comparisons uses a $100 physical damage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $414 | $746 | $480 | $28 | $144 | $1,837 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $302 | $504 | $480 | $28 | $144 | $1,458 | $122 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in zip code location which can modify insurance rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible costs roughly $31 more each month or $372 for a full year averaged for all G6 models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average more than 13 months between claim filings, you would save money if you decide on a higher deductible.
The chart below highlights how deductible choice and can impact Pontiac G6 insurance premiums for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Annual premiums comparing men and women
The information below illustrates the comparison of Pontiac G6 insurance prices for male and female drivers. The information is based on no accidents or driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
You may need specialized car insurance coverage
When it comes to your policy for your personal vehicles, there is no best way to insure your cars. Your financial needs are unique.
For example, these questions can help discover whether your personal situation might need professional guidance.
- Why am I required to buy liability insurance?
- How do I file an SR-22 for a DUI in New Jersey?
- Can I still get insurance after a DUI?
- Can good grades get a discount?
- Is my camper covered for physical damage?
- Am I covered by my spouse’s policy after a separation?
- Can I drive in Mexico and have coverage?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Compare prices but still have a local Jersey City insurance agency
Some consumers would rather go talk to an agent and that is a personal choice. One of the best bonuses of price shopping on the web is that drivers can save money and get cheap rate quotes and still have an agent to talk to.
By using this simple form, your information is sent to companies in Jersey City who will give you quotes and help you find cheaper coverage. You won’t even need to visit any agencies since rate quotes are delivered immediately to you. It’s the lowest rates without a big time investment. If for some reason you want to compare prices from a specific insurance company, you would need to visit that company’s website and fill out the quote form the provide.
Finding a good insurer is decision based upon more than just a low price. Any agent in Jersey City should be willing to answer these questions.
- Are they full-time agents?
- Is there a local claims center in Jersey City?
- Do the agents have professional certifications like CPCU or CIC?
- Is the agent properly licensed in New Jersey?
- How much can you save by raising your physical damage deductibles?
- Do they write coverage based solely on cost?
Exclusive and independent Jersey City car insurance agents
When finding a reliable agent, it’s helpful to know the different types of agencies and how they are slightly different. Auto insurance agents can be classified as either independent (non-exclusive) or exclusive.
Exclusive Auto Insurance Agents
Agents of this type can only provide pricing for a single company and examples are State Farm, Allstate and AAA. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. These agents are highly trained on their company’s products which helps them sell on service rather than price. Some consumers prefer to use the same agent partially due to loyalty to the company instead of buying on price only.
Listed below are Jersey City exclusive insurance agencies willing to provide comparison quotes.
- Joe Nachbaur – State Farm Insurance Agent
505 Central Ave – Jersey City, NJ 07307 – (201) 222-8866 – View Map - Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map - Allstate Insurance: Emad Soliman
844 Bergen Ave – Jersey City, NJ 07306 – (201) 332-6999 – View Map
Independent Agents
Independent insurance agents are not employed by any specific company so as a result can place your coverage amongst many companies and find the cheapest rate. To transfer your coverage to a different company, they can switch companies in-house and that require little work on your part.
When shopping rates, you need to contact a couple of independent agencies so that you have a good selection of quotes to compare. Many independent agencies also insure through small mutual carriers that can offer cheaper rates than bigger companies.
Shown below is a short list of independent insurance agents in Jersey City that are able to give price quotes.
- Exodus Insurance Services
758 Ocean Ave – Jersey City, NJ 07304 – (201) 433-1015 – View Map - Lou Schloss Agency Inc
31 River Ct – Jersey City, NJ 07310 – (201) 626-7589 – View Map - Wexford Insurance
45 Laidlaw Ave – Jersey City, NJ 07306 – (201) 659-6050 – View Map
Upon getting acceptable answers to any questions you have and affordable Pontiac G6 insurance rates in Jersey City quotes, you’ve probably found an insurance agency that meets your needs to service your policy. But keep in mind once you purchase a policy you can cancel your policy for any reason so don’t assume that you are permanently stuck with any specific company with no way to switch.
Best car insurance in Jersey City
Selecting a high-quality auto insurance provider is hard considering how many different companies there are to choose from in Jersey City. The information listed below can help you select which auto insurance companies to look at when comparing rate quotes.
Top 10 Jersey City Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- GEICO
- State Farm
- Nationwide
- Allstate
- 21st Century
- The Hartford
- Farmers Insurance
Top 10 Jersey City Car Insurance Companies Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- Travelers
- State Farm
- Progressive
- American Family
Insurance policy coverages for a Pontiac G6
Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like fire damage, a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability
Liability coverage will cover injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. New Jersey requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
The chart below demonstrates why minimum state limits may not be enough coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac G6.
Due to the fact that many New Jersey drivers have only the minimum liability required by law (15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
Collision insurance
This coverage covers damage to your G6 from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, crashing into a ditch, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible on your G6 to bring the cost down.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for prosthetic devices, nursing services, dental work and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Lower rates by being persistent
Cost effective Pontiac G6 insurance is attainable both online as well as from independent agents in Jersey City, so you need to shop Jersey City car insurance with both in order to have the best price selection to choose from. Some insurance providers do not provide price quotes online and these small insurance companies sell through independent agents.
Insureds change insurance companies for a variety of reasons including questionable increases in premium, delays in responding to claim requests, lack of trust in their agent or even denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.
As you quote Jersey City car insurance, never reduce needed coverages to save money. In many cases, consumers will sacrifice collision coverage and found out when filing a claim that it was a big mistake. The aim is to buy the best coverage you can find for the lowest price and still be able to protect your assets.
Additional detailed information is located by following these links:
- Insurance Losses by Make and Model (iihs.org)
- How Much is Jersey City Auto Insurance for a Chevrolet Silverado? (FAQ)
- What Insurance is Cheapest for a Ford Escape in Jersey City? (FAQ)
- How Much is Jersey City Car Insurance for a Learners Permit? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Your Car has been Stolen: Now What? (Allstate)