Edison, NJ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Edison, 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.
Ways to Lower the Cost of Auto Insurance in Edison, NJ
The average cost of auto insurance in Edison, NJ, is $1,176. This is lower than in most neighboring places such as Providence Village, Highland Village, Copper Canyon, and the state of Texas. Residents of Edison should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Edison.
Multi-Car Insurance:
Car owners in Edison, NJ, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Edison, NJ, is $3,010, while it would cost $6,020 for four cars. The savings on multi-car insurance in Edison also depends on the make and model of the vehicle.
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. On the other hand, State Farm offers discounts when a driver goes 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.
The cost of auto insurance in Edison, NJ, post-DUI, increases to $2,963. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Edison. Other violations that can have a long-term impact on auto insurance in Edison include driving with an expired license and running a red light.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.
Deductibles:
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Edison on a low deductible ($500) is $1,782. It decreases to $1,505 when the deductible is higher ($1,000).
Credit Score:
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Edison, NJ. While an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can decrease from $2,822 when the credit score is poor, to around $1,484 when the credit score is “exceptional”.
Anti-Theft Device:
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. A passive disabling device fetches the most amount of savings.
Factors that can influence the cost of car insurance in Edison, 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.
- Edison, NJ Auto Insurance Rates
- Edison, NJ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Edison, NJ
- Multi Vehicle Insurance Savings in Edison, NJ
- How Credit Score Affects Car Insurance Rates in Edison, NJ
- How DUI Affects Auto Insurance Premiums in Edison, NJ
- Top Auto Insurance Agents Near Edison, NJ
- How Driving Violations Affect Auto Insurance Rates in Edison, NJ
- Edison, NJ Auto Insurance Discounts on Anti Theft Feature
Edison, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Edison, NJ with that of other cities in and around Edison.
| Edison | Metuchen | South Amboy | South River | Sayreville | Perth Amboy | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,730 | $1,748 | $1,680 | $1,685 | $1,470 | $1,663 |
Edison, 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 Edison, 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) |
|---|---|---|
| Edison | $1,782 | $1,505 |
| Metuchen | $1,482 | $1,252 |
| Sayreville | $1,215 | $1,027 |
| Fords | $1,646 | $1,390 |
| South Amboy | $1,730 | $1,462 |
| Highland Park | $1,634 | $1,380 |
| Perth Amboy | $1,389 | $1,174 |
| South River | $1,409 | $1,190 |
Edison, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Edison, 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 | $5,614 |
| 20 Years | $2,223 |
| 30 Years | $1,712 |
| 40 Years | $1,647 |
| 50 Years | $1,525 |
| 60 Years | $1,547 |
| 70 Years | $1,800 |
Edison, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Edison, 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 | $3,010 | $450 |
| 3 Vehicles | $4,515 | $675 |
| 4 Vehicles | $6,020 | $900 |
Savings on 2 Vehicles bundle:$450
Savings on 3 Vehicles bundle:$675
Savings on 4 Vehicles bundle:$900
Edison, 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 Edison, NJ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Edison | $1,730 | $2,963 |
| Metuchen | $1,748 | $2,994 |
| Sayreville | $1,470 | $2,518 |
| Fords | $1,688 | $2,891 |
| South Amboy | $1,680 | $2,878 |
| Highland Park | $1,723 | $2,951 |
| Perth Amboy | $1,663 | $2,849 |
| South River | $1,685 | $2,886 |
Edison, 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) | $1,484 |
| Excellent (740-799) | $1,694 |
| Good (670-739) | $1,803 |
| Average (580-669) | $2,352 |
| Poor (300-579) | $2,822 |
Edison, 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 | 732-680-4444 |
| Raritan Agency Inc | Travelers | 754 ROUTE 18 STE 101, EAST BRUNSWICK, 8816 | 732-238-6060 |
| Christine Veliz | Farmers | 229 Bloomfield Ave, Newark, 7104 | (973) 482-1975 |
| Donald Dutton | Farmers | 780 Livingston Ave Ste 2, North Brunswick, 8902 | (732) 565-0085 |
| Constance Connie Bases | Farmers | 386 New Brunswick Ave, Fords, 8863 | (732) 661-6386 |
| Kape Insurance Agency Inc | Travelers | 510 HAMILTON BLVD, S PLAINFIELD, 7080 | 908-757-6666 |
| Morstan General Agency Of New Jersey Inc | Travelers | 1460 ROUTE 9 NORTH, WOODBRIDGE, 7095 | 732-726-1400 |
| John Gatto | State Farm | 236 Bridge St, Metuchen, 08840-2292 | 732-548-5595 |
| Paul Tye | Farmers | 347 Plainfield Ave Ste 103, Edison, 8817 | (732) 709-7778 |
| Michael Poller | Farmers | 610 W Saint Georges Ave, Linden, 7036 | (908) 587-2886 |
Edison, 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 | +$76 | $1,806 |
| Driver's Failure In Showing Documents | +$168 | $1,898 |
| Driving With An Expired Registration | +$178 | $1,908 |
| Driving At A Considerably Slow Pace | +$375 | $2,105 |
| Using A Cellphone While Driving | +$396 | $2,126 |
| Running A Red Light | +$403 | $2,133 |
| Speeding | +$424 | $2,154 |
| Driving A Vehicle Without The Required Permission | +$538 | $2,268 |
| Driving With An Expired/Suspended License | +$1,166 | $2,896 |
Edison, 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 | $1,661 |
| Active Disabling Device | $1,661 |
| Tracking Device | $1,626 |
| Passive Disabling Device | $1,609 |