How long has it been since you shopped around for lower-priced car insurance rates in Jersey City, NJ? Jersey City consumers have lots of choices when looking for affordable car insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to get rate quotes.

There are more efficient ways to compare car insurance rates so you're going to learn the best way to compare rates for a and locate the lowest price from both online companies and Jersey City agents.

The easiest way to get policy rate comparisons is to know the fact almost all companies allow for online access to provide you with free rate quotes. All consumers are required to do is give them rating details such as whether the vehicles are used for commuting, what you do for a living, how old drivers are, and your credit rating estimate. That rating data gets sent immediately to multiple insurance providers and they return quotes instantly.

To compare multiple company rates now, click here and complete the quick form.

The companies in the list below are ready to provide comparison quotes in Jersey City, NJ. If the list has multiple companies, it's highly recommended you compare several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Jersey City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,014 $507 $85
Chevrolet Silverado LT Regular Cab $1,538 $769 $128
Dodge Ram Crew Cab Sport 2WD $1,996 $998 $166
Ford Escape XLT 2WD $1,282 $641 $107
Ford Explorer XLT AWD $1,746 $873 $146
Ford F-150 FX2 2WD $1,712 $856 $143
Ford Focus SE 4-Dr Sedan $1,406 $703 $117
GMC Sierra SL Crew Cab 2WD $1,336 $668 $111
Honda Accord LX-P 4-Dr Sedan $1,072 $536 $89
Honda CR-V EX-L 2WD $1,314 $657 $110
Honda Civic DX 2-Dr Coupe $1,628 $814 $136
Kia Optima LX $2,180 $1,090 $182
Mazda 3 S Sport 4-Dr Sedan $1,548 $774 $129
Nissan Altima Hybrid 4-Dr Sedan $1,336 $668 $111
Toyota Camry XLE $1,704 $852 $142
Toyota Corolla S $1,582 $791 $132
Toyota Tacoma Double Cab 4WD $1,456 $728 $121
Volkswagen Jetta SE 2.5 Station Wagon $1,486 $743 $124
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can decrease or increase premium rates considerably.

Should you raise deductibles?

The chart below shows how different deductible levels and can increase or decrease Honda Accord insurance costs for different age groups of insureds. The costs are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Physical damage deductibles: Should you raise them?

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below can help show the costs and benefits of buying low and high coverage deductibles. The first table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Fusion insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $414 $746 $480 $28 $144 $1,837 $153
Fusion SE 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
Fusion Hybrid 4-Dr Sedan $466 $1014 $600 $36 $180 $2,321 $193
Fusion SEL 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
Fusion Sport 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
Fusion SEL AWD 4-Dr Sedan $520 $1014 $480 $28 $144 $2,211 $184
Fusion Sport AWD 4-Dr Sedan $520 $1014 $480 $28 $144 $2,211 $184
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Ford Fusion insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $230 $394 $480 $28 $144 $1,276 $106
Fusion SE 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
Fusion Hybrid 4-Dr Sedan $258 $534 $600 $36 $180 $1,608 $134
Fusion SEL 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
Fusion Sport 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
Fusion SEL AWD 4-Dr Sedan $288 $534 $480 $28 $144 $1,474 $123
Fusion Sport AWD 4-Dr Sedan $288 $534 $480 $28 $144 $1,474 $123
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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 multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific zip code location which can decrease or increase insurance rates greatly.

Based on the above data, using a $100 deductible costs approximately $55 more each month or $660 each year than opting for the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 16 months between claim filings, you would save more money if you choose the higher deductible. The table below illustrates an example of how this determination is made.

Average monthly premium for $100 deductibles: $174
Average monthly premium for $1,000 deductibles (subtract): - $119
Monthly savings from raising deductible: $55
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $55
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Car insurance discounts help lower rates

Companies do not advertise all their discounts very clearly, so we researched some of the best known and also the more inconspicuous credits available to lower your premiums when you buy Jersey City car insurance online.Cheaper car insurance with discounts

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. Even though it appears it's possible to get free car insurance, you won't be that lucky.

A list of companies and their possible discounts are outlined below.

Check with all the companies which discounts you qualify for. Depending on the company, some discounts may not apply in Jersey City. To find providers who offer discounts in New Jersey, click here.

Choosing vehicle insurance is an important decision

Even though it's not necessarily cheap to insure a vehicle in Jersey City, maintaining insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car are without a doubt worth the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is overpaying over $800 each year so it's recommended you shop around at least once a year to be sure current rates are still competitive.

Which is the best car insurance?

When quoting and choosing insurance from an agent or online for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is a little different.Drive safe and save

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

If you can't answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance agents are professional risk managers

Some people still like to talk to a local agent and doing so can bring peace of mind Insurance agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting free rate quotes online is you can get cheap rate quotes and still have a local agent. And providing support for local agencies is definitely important in Jersey City.

Insurance agency in Jersey CityAfter completing this quick form, the quote information is submitted to companies in Jersey City who can give free rate quotes to get your business. There is no need to search for any insurance agencies since rate quotes are delivered to you. In the event you want to get a rate quote from one company in particular, just search and find their rate quote page and submit a quote form there.

When searching for a reputable agency, there are a couple of different types of agents and how they work. Car insurance policy providers are either independent (non-exclusive) or exclusive. Either type can insure your vehicles properly, but it is important to understand how they are different since it could factor into which agent you choose.

Independent Agents (or Brokers)

These type of agents do not write with just one company and that enables them to quote your coverage with many different companies and find you cheaper rates. If they find a lower price, they can switch companies in-house and the insured can keep the same agent. When comparing rates, you should always get insurance quotes from independent agents for maximum quote selection. Most also have access to small regional insurance companies who may have lower rates.

Shown below are independent agents in Jersey City that may be able to give price quote information.

More Jersey City agents

Exclusive Car Insurance Agencies

Exclusive agencies are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are well schooled on the products they sell which helps them sell on service rather than price. Some consumers prefer to use the same agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below are exclusive insurance agencies in Jersey City willing to provide price quote information.

More Jersey City agents

Finding a good auto insurance agent requires more thought than just a cheap price quote. A good agent in Jersey City will have answers to these questions.

Car insurance coverages explained

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird, falling objects and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Liability insurance

This coverage protects you from damage or injury you incur to other people or property. It protects YOU against other people's claims, and does not provide coverage for damage sustained by your vehicle 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. You commonly see limits of 15/30/5 that means you have a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as court costs, repair bills for other people's vehicles and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford. New Jersey state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (15/30/5 in New Jersey), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits are identical to your policy's liability coverage.

Collision insurance

Collision coverage will pay to fix damage to your vehicle from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like dental work, surgery, doctor visits, nursing services and pain medications. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage