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

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

Zimlon, through its research, found that car owners in Secaucus, 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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Overview of Car Insurance in Secaucus, NJ

Auto insurance is essential if you are a driver in Secaucus, New Jersey. Auto insurance can protect you from financial losses due to an accident, theft, vandalism, or other damage to your vehicle. It can also provide financial protection from lawsuits from other drivers if you are at fault for an accident. The average cost of car insurance in Secaucus, NJ, is $1,758. When shopping for auto insurance in Secaucus, New Jersey, compare rates from multiple companies. Different insurance companies have different rates and coverage options, so shopping around and finding the best deal for your needs is important. There are also discounts available for certain drivers, such as students, senior citizens, and those who have completed a defensive driving course. When getting a quote from an insurance company, provide them with accurate information. The type of car you drive, your age, your driving record, and your credit score can all impact your rate. Make sure you understand the coverage you are being quoted and what it covers. Zimlon has examined the factors influencing the variation in auto insurance prices in Secaucus, New Jersey, through its research.

Credit History

Auto insurance rates have always been tricky to figure out, and various factors determine them. One of the most important factors is a person's credit history, which can significantly affect the rates they are offered. This is especially true in Secaucus, New Jersey, where credit history plays a major role in determining auto insurance rates. In Secaucus, insurance companies use a credit-based insurance score to help determine rates. This score is based on the consumer's credit history, including their payment history, amount of debt, and length of credit history. This score determines how likely a person is to make payments on time and if they are likely to file a claim. Those with good credit typically receive lower rates, while those with poor credit may be considered higher risk and charged higher rates. For instance, in Secaucus, NJ, automobile owners with exceptional credit scores have to pay $1,508, while those with poor credit must spend $2,867 for a car.

Age of the Driver

As a driver in Secaucus, New Jersey, you may be wondering how the driver's age affects auto insurance rates. Understanding how age impacts your auto insurance rate can help you make more informed decisions when choosing a policy that fits your budget. Generally, drivers under the age of 25 are considered to be high-risk and will pay more for coverage than those who are older. This is because younger drivers are more likely to be involved in an accident or file a claim. As a result, insurance companies charge higher rates to cover the increased risk. For instance, teenagers in Secaucus, New Jersey, spend $5,704 for auto insurance, whereas older drivers in the same city who are 40 years of age pay $1,674.

Driving Habits

Auto insurance rates can increase based on driving violations in Secaucus, NJ. The cost of auto insurance may increase after a driver has received a ticket or been convicted of certain violations such as speeding, reckless driving, driving while intoxicated, or leaving the scene of an accident. The amount of premium increase may vary depending on the severity of the violation and the insurance company. For instance, in Secaucus, NJ, auto insurance premiums are raised by +$410 and +$1,185 for drivers who run red lights or have suspended licenses.

Factors that can influence the cost of car insurance in Secaucus, 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.

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

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

Secaucus North Arlington East Rutherford West New York Lyndhurst North Bergen
Average Insurance Rates $1,758 $1,716 $1,734 $1,699 $1,727 $1,695

Secaucus, 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 Secaucus, 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)
Secaucus $1,706 $1,441
Union City $1,285 $1,086
North Bergen $1,525 $1,288
East Rutherford $1,470 $1,241
Lyndhurst $1,922 $1,623
Weehawken $2,006 $1,695
West New York $1,396 $1,179
North Arlington $1,250 $1,056

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

Teenagers in Secaucus, 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 $5,704
20 Years $2,259
30 Years $1,740
40 Years $1,674
50 Years $1,550
60 Years $1,572
70 Years $1,830

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

Car owners in Secaucus, 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 $3,094 $422
3 Vehicles $4,641 $633
4 Vehicles $6,188 $844

Savings on 2 Vehicles bundle:$422

Savings on 3 Vehicles bundle:$633

Savings on 4 Vehicles bundle:$844

Secaucus, 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 Secaucus, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Secaucus $1,758 $3,011
Union City $1,689 $2,893
North Bergen $1,695 $2,903
East Rutherford $1,734 $2,970
Lyndhurst $1,727 $2,958
Weehawken $1,827 $3,129
West New York $1,699 $2,910
North Arlington $1,716 $2,939

Secaucus, 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) $1,508
Excellent (740-799) $1,722
Good (670-739) $1,832
Average (580-669) $2,390
Poor (300-579) $2,867

Secaucus, 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
Otterstedt Agency Travelers 540 SYLVAN AVE, ENGLEWOOD CLIFFS, 7632 201-227-1800
Bogle Agency Insurance Travelers 200 STUYVESANT AVE, LYNDHURST, 7071 201-939-1076
Durkin Agency Inc Liberty Mutual Independent 106 GRAND AVE STE 360, ENGLEWOOD, 7631 201-567-3700
Dan Desimone State Farm 105 N Dean St Ste 1, Englewood, 07631-2813 201-768-7283
Rossana Benavides Allstate 4914 Kennedy Blvd W Ste 202, West New York, 7093 (201) 902-9400
Sameh Wahba Allstate 203A Main St, Hackensack, 7601 (201) 342-3699
Thomas Tobin State Farm 1033 Clifton Ave Ste 208, Clifton, 07013-3517 973-779-4248
Burnham & Company Travelers ONE BRIDGE PLAZA NORTH STE 445, FORT LEE, 7024 201-585-6500
Joseph Adamo State Farm 108 Ridge Rd Ste 1, N Arlington, 07031-6357 201-998-4741
Dong-E Insurance Agency Travelers 635 E PALISADES AVE, ENGLEWOOD CLIFFS, 7632 201-503-0003
Charles F Hahn Inc Travelers 150 CLOVE RD, LITTLE FALLS, 7424 (973) 773-3710

Secaucus, 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 +$77 $1,835
Driver's Failure In Showing Documents +$171 $1,929
Driving With An Expired Registration +$181 $1,939
Driving At A Considerably Slow Pace +$381 $2,139
Using A Cellphone While Driving +$403 $2,161
Running A Red Light +$410 $2,168
Speeding +$431 $2,189
Driving A Vehicle Without The Required Permission +$547 $2,305
Driving With An Expired/Suspended License +$1,185 $2,943

Secaucus, 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 $1,688
Active Disabling Device $1,688
Tracking Device $1,653
Passive Disabling Device $1,635