Save Up To $810 on Auto Insurance in Paterson, NJ

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The average cost of auto insurance in Paterson, NJ, is $2,017 and ranges between $1,725 and $2,455. Car owners in Paterson can save up to $810 by comparing multiple quotes and reviews from different auto insurance companies. Below is a list of discounts available to drivers in Paterson.


Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Paterson is $3,833, while the cost of insuring four vehicles under this policy is $7,867.

Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Anti-Theft Discounts:

Car insurers across New Jersey offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps in saving the most on auto insurance in Paterson. Other devices that can help improve savings are tracking devices and active disabling devices.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

For example, post-DUI, the cost of auto insurance in Paterson, can mount up to $3,751 from $2,017. That’s an increase of over $1,000. The average cost of auto insurance post-DUI for male teenagers is $10,391, and $8,777 for female teenagers. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving.