Cranford Auto Insurance Rates, Quotes, Agents & Reviews in NJ

Cranford, NJ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cranford, NJ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Cranford, NJ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Cranford, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cranford, NJ with that of other cities in and around Cranford.

Cranford Union County Roselle Park Roselle Winfield Kenilworth
Average Insurance Rates $1,778 $1,596 $1,679 $1,641 $1,638 $1,716

Cranford, NJ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cranford, NJ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cranford $1,965 $1,660
Union County $1,310 $1,107
Garwood $1,558 $1,316
Kenilworth $1,767 $1,493
Winfield $962 $813
Westfield $1,975 $1,668
Roselle Park $1,088 $919
Roselle $1,515 $1,280

Cranford, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cranford, NJ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,769
20 Years $2,285
30 Years $1,760
40 Years $1,693
50 Years $1,568
60 Years $1,590
70 Years $1,850

Cranford, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cranford, NJ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,058 $498
3 Vehicles $4,587 $747
4 Vehicles $6,116 $996

Savings on 2 Vehicles bundle:$498

Savings on 3 Vehicles bundle:$747

Savings on 4 Vehicles bundle:$996

Cranford, NJ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cranford, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Cranford $1,778 $3,046
Union County $1,596 $2,734
Garwood $1,726 $2,956
Kenilworth $1,716 $2,939
Winfield $1,638 $2,806
Westfield $1,317 $2,256
Roselle Park $1,679 $2,876
Roselle $1,641 $2,811

Cranford, NJ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,525
Excellent (740-799) $1,741
Good (670-739) $1,853
Average (580-669) $2,417
Poor (300-579) $2,900

Cranford, NJ Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
American Insurance Services Liberty Mutual Independent 1129 Raritan Rd, Clark, 7066 None
Bixler Group Llc None 758 Ave, Kearny, 7032 (201) 467-4097
Dave Rittenhouse Allstate 1 Mountain Blvd Ste 102, Warren, 7059 (908) 754-3263
Conrado Arroyo State Farm 360 Chestnut St, Newark, 07105-2402 973-274-1000
Amalgamated General Agency None 115 Grove Street East, Westfield, 7091 None
Mitchell Insurance Services, Inc. None 720 King Georges Post Rd Fords, Woodbridge Township, 8863 None
Kra Insurance Agency Inc Liberty Mutual Independent 871 MOUNTAIN AVE, SPRINGFIELD, 7081 973-467-8850
Michael Lyne State Farm 472 Westfield Ave, Clark, 07066-1756 732-340-0500
Barry Paul Rose Insurance Agency Inc Liberty Mutual Independent 24 ROBIN HOOD LN, CHATHAM TWP, 7928 (973) 701-0066
Julius A Rose Inc Travelers 611 Broadway, Bayonne, 7002 None

Cranford, NJ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$78 $1,856
Driver's Failure In Showing Documents +$172 $1,950
Driving With An Expired Registration +$183 $1,961
Driving At A Considerably Slow Pace +$386 $2,164
Using A Cellphone While Driving +$407 $2,185
Running A Red Light +$414 $2,192
Speeding +$436 $2,214
Driving A Vehicle Without The Required Permission +$553 $2,331
Driving With An Expired/Suspended License +$1,198 $2,976

Cranford, NJ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,707
Active Disabling Device $1,707
Tracking Device $1,671
Passive Disabling Device $1,654