The words “affordable” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when you are trying to find the lowest insurance rates for police officers. In an attempt to save some money, let’s open your eyes to some of the things the can have a considerable influence on insurance premiums, and find a way to reduce the price of your next policy.
One of the more important components that determine the annual cost of car insurance is where your car is garaged in Jersey City. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The following table lists the most expensive areas in New Jersey for police officers to purchase a policy in. Jersey City shows up at #11 with an annual cost of $2,276 for the average policy, which is about $190 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Newark | $2,522 |
| 2 | West New York | $2,506 |
| 3 | East Orange | $2,495 |
| 4 | Elizabeth | $2,446 |
| 5 | Paterson | $2,400 |
| 6 | Passaic | $2,371 |
| 7 | Clifton | $2,368 |
| 8 | Union City | $2,354 |
| 9 | Kearny | $2,335 |
| 10 | Hoboken | $2,307 |
| 11 | Jersey City | $2,276 |
| 12 | Bayonne | $2,207 |
| 13 | Fort Lee | $2,144 |
| 14 | Camden | $2,133 |
| 15 | Perth Amboy | $2,102 |
| 16 | Linden | $2,099 |
| 17 | Atlantic City | $2,086 |
| 18 | Trenton | $1,954 |
| 19 | Hackensack | $1,940 |
| 20 | Sayreville | $1,939 |
| 21 | New Brunswick | $1,932 |
| 22 | Plainfield | $1,898 |
| 23 | Lakewood | $1,855 |
| 24 | Vineland | $1,806 |
| 25 | Toms River | $1,725 |
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Rate quotes are approximated as specific location information can modify coverage prices greatly.
The vehicle model requiring insurance is one of the primary factors in finding cheap insurance for police officers. Vehicles with lower performance, a great safety record, or a low likelihood of liability claims will cost substantially less to insure than higher performance models. The data below ranks insurance prices for the more affordable automobiles to insure in New Jersey.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,471 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,476 |
| Honda CR-V EX-L 2WD | $1,505 |
| Toyota RAV4 Sport 2WD | $1,594 |
| Toyota Tacoma Double Cab 4WD | $1,601 |
| Ford Focus SES 4-Dr Sedan | $1,649 |
| Toyota Prius | $1,680 |
| Nissan Rogue SL 2WD | $1,706 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,716 |
| Kia Optima LX | $1,706 |
| GMC Sierra SLE Extended Cab 4WD | $1,709 |
| Jeep Grand Cherokee Limited 2WD | $1,719 |
| Dodge Grand Caravan SE | $1,712 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,740 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $1,748 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in zip code location which can raise or lower coverage prices substantially.
By looking at the data, we can tell that cars like the Ford Escape, Jeep Wrangler, and Honda CR-V are likely to be the most affordable vehicles to insure for law enforcement personnel.
How violations and accidents impact rates
The easiest way to score the cheapest auto insurance rates in Jersey City for law enforcement personnel is to drive attentively and not receive tickets or have accidents. The example below demonstrates how traffic citations and at-fault accidents raise insurance costs for different ages of insureds. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of auto insurance in Jersey City per year with a clean driving record and no accidents is $1,923. Factor in two speeding tickets and the average cost swells to $2,648, an increase of $725 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for police officers increases to an average of $5,482. That’s an increase of $3,559, or $297 per month, just for being a little careless behind the wheel!
The diagram below demonstrates how deductible levels can affect premium costs when searching for cheap insurance for police officers. The premiums assume a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
The data above shows that a 50-year-old driver could pocket $444 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $666 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could potentially save up to $1,098 every year by selecting a higher deductible.
When raising deductibles, it is essential to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Get discounts on Jersey City insurance rates
Insurance providers that offer cheap quotes for police officers may additionally offer policy discounts that may potentially lower prices by 40% or more if you meet specific eligibility requirements. A few of the larger companies and some of the premium reductions they offer can be found below.
- 21st Century may include discounts for 55 and older, driver training, defensive driver, automatic seat belts, and theft prevention.
- State Farm has savings for anti-theft, safe vehicle, multiple autos, passive restraint, and defensive driving training.
- AAA has discounts for pay-in-full, good student, multi-car, AAA membership discount, good driver, and education and occupation.
- Liberty Mutual may have discounts that include exclusive group savings, preferred payment discount, safety features, hybrid vehicle, new graduate, newly married, and good student.
- Progressive includes discounts for multi-policy, homeowner, online quote discount, continuous coverage, online signing, and multi-vehicle.
The diagram below visualizes the comparison of insurance rates with and without policy discounts. The information is based on a female driver, no claims or violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, marriage, accident-free, claim-free, multiple vehicle, and homeowner discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for police officers is 28% or $719.
How to find low-cost car insurance for police officers
The list below details some thrifty solutions that can help drivers find cheap auto insurance.
- Bundle car and home insurance and save money
- Serious violations like DUI or reckless driving can increase rates dramatically
- Try to pay small claims out-of-pocket
- Lower rates by purchasing a safer vehicle
- Maintain a safe distance and avoid accidents
- Compare rate quotes frequently
The last suggestion is especially significant, as was affirmed in this write-up. Auto insurance prices can change considerably based on profitability, so you should be ready to change insurance companies if you find a cheaper price.
Brand loyalty is great, but it’s not recommended if that loyalty ends up costing lots of money. It takes less than five minutes to compare prices to find cheaper auto insurance for police officers in Jersey City.