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.
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 Rates
- Secaucus, NJ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Secaucus, NJ
- Multi Vehicle Insurance Savings in Secaucus, NJ
- How Credit Score Affects Car Insurance Rates in Secaucus, NJ
- How DUI Affects Auto Insurance Premiums in Secaucus, NJ
- Top Auto Insurance Agents Near Secaucus, NJ
- How Driving Violations Affect Auto Insurance Rates in Secaucus, NJ
- Secaucus, NJ Auto Insurance Discounts on Anti Theft Feature
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 |