Savings of Up to $670 on Car Insurance in Jersey City, NJ

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The average cost of auto insurance in Jersey City, NJ, is $1,680. This cost ranges between $1,050 and $2,080. The cost of auto insurance in Jersey City is much lower than that of neighboring places such as Newark and Weehawken. It is also lower than the average cost of auto insurance in the state of New Jersey. The cost of auto insurance is dependent on numerous factors ranging from the make and model of the car to the age of the driver. Below is a list of discounts offered by auto insurance companies in Jersey City.

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Multi-Car Insurance:

Insuring multiple cars with the same insurer under a multi-car insurance policy can help in garnering more benefits. Bundling together life, auto, and home insurance with the same insurance company is another way of attaining greater benefits. 

Hybrid and Electric Vehicles:

Auto insurance companies are lending a hand in the fight against increasing emission levels in the country. Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.  

Discounts on Anti-theft Devices:

Equipping one’s vehicle with an anti-theft device is a good way of attracting discounts. Passive disabling devices fetch the largest discounts in Jersey City, NJ. Anti-theft devices reduce the amount of risk being covered by auto insurance companies, which in-turn makes auto insurance cheaper for car owners. 

Good Driving Record:

Most car insurance companies offer substantial discounts to drivers who have 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.  

Progressive’s SNAPSHOT program offers a significant discount for good drivers. It places its average rate of discount at $145.The DriveSense Discount Program by Esurance is another option for car owners looking for discounts.