Trenton, NJ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Trenton, 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.
Factors Influencing the Cost of Auto Insurance in Trenton, NJ
The average cost of auto insurance in Trenton, NJ, is $1,583. It is more than the insurance price in neighboring places such as Yardley, and Morrisville. Several factors can affect the cost of auto insurance in Trenton. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows.
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Trenton can be as high as $2,712.
The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Trenton. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $5,137.
Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Trenton, NJ, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive.
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.
This is one of the most common factors influencing the cost of auto insurance in Trenton, NJ. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,687, and it decreases to $1,425 when the deductible is $1,000.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Trenton, 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.
- Trenton, NJ Auto Insurance Rates
- Trenton, NJ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Trenton, NJ
- Multi Vehicle Insurance Savings in Trenton, NJ
- How Credit Score Affects Car Insurance Rates in Trenton, NJ
- How DUI Affects Auto Insurance Premiums in Trenton, NJ
- Top Auto Insurance Agents Near Trenton, NJ
- How Driving Violations Affect Auto Insurance Rates in Trenton, NJ
- Trenton, NJ Auto Insurance Discounts on Anti Theft Feature
- Trenton, NJ Auto Insurance Company Reviews
Trenton, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Trenton, NJ with that of other cities in and around Trenton.
|Average Insurance Rates||$1,583||$1,671||$1,670||$1,648||$1,575||$1,462|
Trenton, 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 Trenton, 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)|
Trenton, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Trenton, 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|
Trenton, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Trenton, 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|
Savings on 2 Vehicles bundle:$475
Savings on 3 Vehicles bundle:$712
Savings on 4 Vehicles bundle:$950
Trenton, 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 Trenton, NJ.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Trenton, 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|
Trenton, 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|
|Steven Lambusta||Allstate||4130 Quakerbridge Rd Bldg 2, Lawrenceville, 8648||(609) 799-4444|
|Sypek & Sandford Agency||Liberty Mutual Independent||1569 PARKWAY AVE STE F-G, EWING, 8628||(609) 896-7000|
|Rp Bonanni Insurance Agency||None||2659 Nottingham Way Hamilton, Hamilton Township, 8619||None|
|Romy Buerano||State Farm||2204 Brunswick Pike Us Hwy 1, Lawrenceville, 8648||609-392-7555|
|Deswert Insurance Agency||None||1400 Cedar Ln Trenton, Hamilton Township, 8610||None|
|Beatty & Associates Llc||Travelers||1 KINGS RD, MADISON, 7940||973-377-8100|
|Mary Comito||State Farm||340 Main St Ste 7, Madison, 07940-2363||973-377-3424|
|Teanice Wells-Ernest||State Farm||125 S Warren St, Trenton, 08608-2303||609-989-0020|
|Max Safrin Agency Inc||Travelers||2266 SPRINGFIIELD AVE, VAUXHALL, 7088||908-688-1133|
|Charles S Biggs Inc||Travelers||1020 Springfield Ave , Mountainside, 7092||None|
Trenton, 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||+$70||$1,653|
|Driver's Failure In Showing Documents||+$154||$1,737|
|Driving With An Expired Registration||+$163||$1,746|
|Driving At A Considerably Slow Pace||+$344||$1,927|
|Using A Cellphone While Driving||+$363||$1,946|
|Running A Red Light||+$369||$1,952|
|Driving A Vehicle Without The Required Permission||+$492||$2,075|
|Driving With An Expired/Suspended License||+$1,067||$2,650|
Trenton, 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|
|Active Disabling Device||$1,520|
|Passive Disabling Device||$1,472|
Latest Auto Insurance Reviews in Trenton, NJ | Back to Top
With auto insurance, there are so many levels of insurance. From simple liability to the full coverage, they also include personal injury which isn't included in most policties or required by most states.
State Farm has always offered me great customer service, whether locally or nationally, whether in person, over the phone, or through email. Their representatives always get me the information.
I have had good service from State Farm for my auto insurance. They have insured several cars for me. Luckily I have never had an accident where I had to use my insurance.
State Farm's website isn't very easy to access or use friendly. Also, the State Farm providers (body shops for repairs, etc) are not conviently located to where I live.
Excellent attention, kindness and good treatment. Since our arrival was cordial and attentive to our doubts, he gave us the best option according to our needs. Excellent
They have a 24-hour customer service number, a website with online chat availability and our insurance agent is local. Our agent can be reached by phone or email. They also have an office that is within 10 miles of our home.
I love that I can get a hold of them at any time night or day.