It’s an obvious assumption that car insurance companies want to keep you from shopping around. People who shop around for cheaper rates will, in all likelihood, buy a new policy because there are good odds of finding more affordable rates. A study discovered that people who compared rates once a year saved on average $3,500 over four years compared to policyholders who don’t regularly compare prices.
If saving money on Kia Optima Hybrid insurance in Jersey City is your ultimate goal, learning how to find and compare insurance can make it easier for you to save money.
It takes a little time, but the best way to find low-cost prices for auto insurance rates in Jersey City is to begin comparing prices regularly from providers in New Jersey.
- Step 1: Gain an understanding of how companies set rates and the measures you can take to lower rates. Many factors that are responsible for high rates like tickets, at-fault accidents, and a not-so-good credit history can be controlled by making minor changes in your lifestyle. Continue reading for the details to get cheaper rates and earn larger discounts.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates for many different companies. Find a Jersey City insurance agent
- Step 3: Compare the new quotes to your existing coverage and determine if there is any savings. If you can save money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
An essential thing to point out is that you’ll want to compare similar deductibles and liability limits on each quote request and and to look at as many companies as possible. This helps ensure a fair price comparison and maximum price selection.
The fastest way that we advise to compare rate quotes for Kia Optima Hybrid insurance in Jersey City is to know almost all companies participate in a system to give free rates quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information like the ages of drivers, if the vehicle is leased, whether the vehicles are used for commuting, and if it has an anti-theft system. Your information is automatically sent to many highly-rated insurers and you will receive price estimates very quickly.
To check Kia Optima Hybrid insurance prices now, click here and enter your coverage details.
The providers in the list below offer quotes in Jersey City, NJ. If your goal is to find cheap car insurance in New Jersey, we suggest you visit as many as you can to find the cheapest car insurance rates.
Best reasons to buy auto insurance in New Jersey
Despite the fact that auto insurance is not cheap in Jersey City, insuring your vehicle is required in New Jersey but it also protects you in many ways.
First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage if you drive a vehicle. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your car with a loan, most lenders will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Kia at a much higher premium rate and require you to pay much more than you were paying before.
Third, auto insurance protects both your assets and your Kia Optima Hybrid. It will also pay for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of insuring your car definitely exceed the price paid, especially when you need to use it. The average driver in America is overpaying over $800 each year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.
Take advantage of these discounts on Kia Optima Hybrid insurance in Jersey City
Some providers don’t list their entire list of discounts in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden credits that you can use to lower your rates.
- Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The good student discount can last until age 25.
- Home Ownership Discount – Owning a home in Jersey City can save you money because maintaining a house demonstrates responsibility.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
- Accident Forgiveness – Not really a discount, but some insurance companies may permit one accident before they charge you more for coverage if you have no claims before the accident.
- Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Payment Method – By making one initial payment rather than paying monthly you may have a lower total premium amount.
- Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a slight reduction on a Jersey City car insurance quote.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.
Car insurance companies that may offer policyholders most of the discounts above are:
It’s a good idea to ask each insurance company which discounts they offer. A few discounts might not be offered in your area.
Insurance agent or online?
Some people prefer to sit down with an agent and doing that can be a smart decision Good insurance agents will help you protect your assets and will help you if you have claims. A nice benefit of comparing rates online is that drivers can save money and get better rates and still choose a local agent. And buying from local insurance agencies is definitely important in Jersey City.
Once you complete this simple form, your insurance data is transmitted to local insurance agents that provide free Jersey City car insurance quotes to get your business. You don’t have to even leave your home due to the fact that quote results will go to the email address you provide. If you want to get a comparison quote from a specific company, you can always go to their quote page and fill out their quote form.
If you are searching for a good insurance agency, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Auto insurance policy providers may be either independent (non-exclusive) or exclusive. Either one can do a good job, but it’s important to know the difference in the companies they write for because it can impact buying decisions.
Independent Insurance Agents
These agents are not locked into one company so they can insure your vehicles through many different auto insurance companies and help determine which has the cheapest rates. If they find a cheaper price, they simply switch companies in-house and that require little work on your part. If you need lower rates, you will want to get insurance quotes from independent agents in order to have the best price comparison.
Listed below is a short list of independent agents in Jersey City who may be able to give you comparison quotes.
Dieugrand Insurance
582 West Side Ave – Jersey City, NJ 07304 – (201) 209-1306 – View Map
Express Insurance
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780 – View Map
MHM Insurance
243 Central Ave # 1 – Jersey City, NJ 07307 – (201) 721-6081 – View Map
Exclusive Agencies
Exclusive insurance agents can only provide pricing for a single company such as State Farm, AAA, and Liberty Mutual. They usually cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets.
Shown below is a short list of exclusive agencies in Jersey City that are able to give rate quotes.
Joe Nachbaur – State Farm Insurance Agent
505 Central Ave – Jersey City, NJ 07307 – (201) 222-8866 – View Map
Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map
Mansa Nicome – State Farm Insurance Agent
86 NJ-35 – Neptune City, NJ 07753 – (732) 776-9999 – View Map
Selecting an insurance agency requires you to look at more than just a cheap price. Get answers to these questions too.
- Does their agency support local causes in Jersey City?
- Can you use your own choice of collision repair facility?
- Are they primarily personal or commercial lines agents in Jersey City?
- What are their preferred companies if they are an independent agency?
- Are they giving you every discount you deserve?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will your rates increase after a single accident?
Situations that may require an agent’s advice
When it comes to choosing insurance from an agent or online, there isn’t really a perfect coverage plan. Each situation is unique.
For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- What is motorclub and do I need it?
- If I drive on a suspended license am I covered?
- Am I better off with higher deductibles on my Kia Optima Hybrid?
- Is pleasure use cheaper than using my Kia Optima Hybrid to commute?
- Will my rates increase for filing one claim?
- Am I missing any policy discounts?
- How high should my medical payments coverage be?
- Am I covered if I hit my neighbor’s mailbox?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is there a penalty for late payment?
If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Best auto insurance company in New Jersey
Choosing a highly-rated insurance provider can be rather challenging considering how many companies provide coverage in New Jersey. The information below could help you analyze which companies to look at buying from.
Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Mercury Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- American Family – 85%
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
Car insurance savings summarized
When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many instances, consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.
We just covered some good ideas how to reduce Kia Optima Hybrid insurance auto insurance rates online in Jersey City. The most important thing to understand is the more you quote Jersey City car insurance, the better your comparison will be. You may even discover the lowest priced car insurance comes from a lesser-known regional company.
Consumers change insurance companies for a variety of reasons including high prices, high rates after DUI convictions, not issuing a premium refund or even policy non-renewal. Whatever your reason, finding a great new company can be easier than you think.
More resources
- Driving in Bad Weather (Insurance Information Institute)
- How Much is Auto Insurance for a School Permit in Jersey City? (FAQ)
- Who Has the Cheapest Jersey City Car Insurance for Drivers with Accidents? (FAQ)
- What Insurance is Cheapest for 18 Year Olds in Jersey City? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Handicapped Drivers in Jersey City? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in Jersey City? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a 20 Year Old Male in Jersey City? (FAQ)
- Who Has Affordable Jersey City Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Uninsured Drivers in Jersey City? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- How to Avoid Staged Accidents (State Farm)
- Things to Know Before you Cancel Insurance (Allstate)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)