Emerson, NJ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Emerson, 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.
Cheapest Auto Insurance Rates in Emerson, NJ
The average cost of car insurance in Emerson, NJ, is $1,779. Car buyers can discover a plethora of factors that determine the cost of auto insurance in Emerson, NJ. The city's location, driving history, and other factors like the driver's age and gender can impact auto insurance costs in Emerson, NJ. For example, low-income drivers living on high-crime streets will pay more for auto insurance even if they have a clean driving record because they reside in a high-crime area.
Shopping for a car insurance policy that meets your requirements can be frustrating. Car owners want to ensure that they get the best deal, i.e., choosing a policy that meets their coverage requirements within their budget. Hence, they must explore the factors that can influence the cost of car insurance in Emerson, NJ. Zimlon, through its research, has studied the aspects responsible for the change in the car insurance prices in Emerson, NJ.
Car insurance rates based on the credit history
During the car insurance application process, providers analyze an individual's credit score to determine the auto insurance rates in Emerson, NJ. If the score is high, your auto insurance rates will decrease. Auto owners with exceptional credit scores pay $1,526 for auto insurance in Emerson, NJ. Car owners whose scores fall in the good range (670-739) pay about $1,854. Auto owners with poor scores will have to pay $2,902 on auto insurance in Emerson, NJ. Therefore, auto owners who maintain a good credit score are likely to avail discounts on their car insurance rates.
Car insurance rates based on the driving history
When searching for cheap auto insurance in Emerson, NJ, consider that even a tiny fender bender can raise insurance premiums to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, including the time and date of the accident and even up to a few months later. Therefore, it is significant for car owners to maintain a clean driving history to avail discounts on auto insurance in Emerson, NJ. For example, the auto owners driving a car with an expired registration pays $1,962 on car insurance in Emerson, NJ, where the premium increases by $183.
Car insurance rates based on the age of the driver
Whether you are a recent graduate, just moved out on your own, or finally going off to start that business you've always dreamed of, purchasing car insurance is one of the first significant steps you take. However, if you are a teenager or in your early 20s, purchasing auto insurance can be even more difficult and expensive than usual. Younger drivers generally pay high auto insurance premiums in Emerson, NJ, because they do not have a long driving record to prove their skill behind the wheel. Apart from that, young drivers are carefree and likely to take more risks on the road. This increases the chances of mishaps, because of which insurance providers charge higher premiums to mitigate the risk. Teenagers in Emerson, NJ, pay $5,773, while drivers age 30 pay $1,761 on car insurance in Emerson, NJ.
Factors that can influence the cost of car insurance in Emerson, 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.
- Emerson, NJ Auto Insurance Rates
- Emerson, NJ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Emerson, NJ
- Multi Vehicle Insurance Savings in Emerson, NJ
- How Credit Score Affects Car Insurance Rates in Emerson, NJ
- How DUI Affects Auto Insurance Premiums in Emerson, NJ
- Top Auto Insurance Agents Near Emerson, NJ
- How Driving Violations Affect Auto Insurance Rates in Emerson, NJ
- Emerson, NJ Auto Insurance Discounts on Anti Theft Feature
Emerson, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Emerson, NJ with that of other cities in and around Emerson.
| Emerson | Harrington Park | Hillsdale | Oradell | Haworth | New Milford | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,779 | $1,848 | $1,809 | $1,839 | $1,874 | $1,742 |
Emerson, 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 Emerson, 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) |
|---|---|---|
| Emerson | $1,354 | $1,144 |
| Westwood | $1,714 | $1,448 |
| Oradell | $1,447 | $1,222 |
| Haworth | $1,897 | $1,603 |
| Hillsdale | $1,991 | $1,682 |
| Harrington Park | $1,832 | $1,548 |
| Dumont | $1,710 | $1,444 |
| New Milford | $1,680 | $1,419 |
Emerson, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Emerson, 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 | $5,773 |
| 20 Years | $2,286 |
| 30 Years | $1,761 |
| 40 Years | $1,694 |
| 50 Years | $1,569 |
| 60 Years | $1,591 |
| 70 Years | $1,851 |
Emerson, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Emerson, 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 | $3,131 | $427 |
| 3 Vehicles | $4,697 | $640 |
| 4 Vehicles | $6,262 | $854 |
Savings on 2 Vehicles bundle:$427
Savings on 3 Vehicles bundle:$640
Savings on 4 Vehicles bundle:$854
Emerson, 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 Emerson, NJ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Emerson | $1,779 | $3,047 |
| Westwood | $1,766 | $3,025 |
| Oradell | $1,839 | $3,150 |
| Haworth | $1,874 | $3,210 |
| Hillsdale | $1,809 | $3,099 |
| Harrington Park | $1,848 | $3,165 |
| Dumont | $1,725 | $2,955 |
| New Milford | $1,742 | $2,984 |
Emerson, 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) | $1,526 |
| Excellent (740-799) | $1,742 |
| Good (670-739) | $1,854 |
| Average (580-669) | $2,418 |
| Poor (300-579) | $2,902 |
Emerson, 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 |
|---|---|---|---|
| Allia Ghanim | Liberty Mutual | 171 Lake Street Ste 1, Ramsey, 7446 | 1-201-934-1701 |
| Insurance Center Of North Jersey | None | 2 University Plaza Drive 2 University Plaza Drive, Hackensack, 7601 | None |
| Marjorie Brower | Liberty Mutual | 171 Lake Street Ste 1, Ramsey, 7446 | 1-201-934-1701 |
| Nick Fuccilli | Allstate | 18A E Prospect St, Waldwick, 7463 | (201) 493-0150 |
| Robert Nicolian | Allstate | S61 Paramus Rd Ste 365, Paramus, 7652 | (201) 556-2360 |
| Old Tappan Financial Llc | Travelers | 183 OLD TAPPAN RD, OLD TAPPAN, 7675 | 201-660-8500 |
| Dong-E Insurance Agency | Travelers | 635 E PALISADES AVE, ENGLEWOOD CLIFFS, 7632 | 201-503-0003 |
| Best Insurance Agency Inc | Travelers | 800 WYCKOFF AVE STE 204, WYCKOFF, 7481 | 201-848-7787 |
| Eifert French & Company Inc | Travelers | 86 County Rd Tenafly, Cresskill, 7670 | None |
| Nelson-Patterson Agency Inc | Liberty Mutual Independent | 746 RIVER RD, NEW MILFORD, 7646 | (201) 262-1431 |
| Nilson-Scirocco Insurance Agency | Travelers | 777 TERRACE AVE SUITE 309, HABROUCK HEIGHTS, 7604 | 973-539-2285 |
Emerson, 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 | $1,857 |
| Driver's Failure In Showing Documents | +$173 | $1,952 |
| Driving With An Expired Registration | +$183 | $1,962 |
| Driving At A Considerably Slow Pace | +$386 | $2,165 |
| Using A Cellphone While Driving | +$407 | $2,186 |
| Running A Red Light | +$415 | $2,194 |
| Speeding | +$436 | $2,215 |
| Driving A Vehicle Without The Required Permission | +$553 | $2,332 |
| Driving With An Expired/Suspended License | +$1,199 | $2,978 |
Emerson, 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 | $1,708 |
| Active Disabling Device | $1,708 |
| Tracking Device | $1,672 |
| Passive Disabling Device | $1,654 |