9 Tricks to Cut Your Car Insurance Prices in Jersey City

Have you fallen victim to high-priced car insurance? Believe me, you are not the only one feeling buyer’s remorse.

Because there are so many online and local companies to choose from, it can be hard to pick the most cost effective company.

Take discounts and save

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be manually applied before being credited.

• Clubs and Organizations – Belonging to a civic or occupational organization may earn a discount when shopping for car insurance.
• Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.
• Government Employees – Employees or retirees of the government may qualify you for a discount depending on your company.
• Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• E-sign – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Resident Student – Youth drivers who live away from home and do not have a car can receive lower rates.
• Driver’s Ed – Require your teen driver to take driver’s ed class in school.
• Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
• Homeowners Discount – Owning a house in Jersey City may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. But all discounts will help reduce the cost of coverage.

To choose companies offering car insurance discounts in New Jersey, click this link.

Low Cost Jersey City Car Insurance

There are a variety of methods you can shop for car insurance and some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with agents in Jersey City, or you could use the web to get prices fast.

Many of the larger companies enroll in a system where insurance shoppers enter their policy data once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To get comparison pricing now click here to start a free quote.

The one downside to comparing rates this way is that you can’t choose which insurance companies to receive prices from. If you wish to select specific providers to receive pricing from, we put together a list of car insurance companies in New Jersey. Click to view list.

Whichever method you choose, make sure you use identical coverage limits and deductibles for each comparison quote. If you enter different values for each quote it’s not possible to determine the best car insurance rates in Jersey City. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, having more price comparisons will increase your chances of finding a lower rate.

Which policy gives me the best coverage?

When choosing the best car insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can help discover if your situation would benefit from an agent’s advice.

• Do I need PIP (personal injury protection) coverage in New Jersey?
• Am I covered if I crash into my own garage door?
• How do I file an SR-22 for a DUI in New Jersey?
• Should I have combined single limit or split liability limits?
• If my vehicle is totaled, can I afford another vehicle?
• Do I have coverage when pulling a U-Haul trailer?
• Is New Jersey a no-fault state?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

More effort can pay off

We covered many tips how you can lower your car insurance rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced car insurance comes from the smaller companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

The cheapest car insurance can be found both online in addition to many Jersey City insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.