Jersey City Car Insurance Provider Rates Compared

To find a good Jersey City agent, it’s recommended you begin your search using online quotes instead of calling around. Consumers require a good agent that listens to you, but also cheap rates.

Many insurance agencies compete for your insurance dollar, so it can be very hard to choose a insurance agent to find the lowest price

Quote online but still have a local agent

Agents can point out coverage gaps and help submit paperwork. One of the best bonuses of comparing rates online is you can get lower rates but still work with a licensed agent.

Once you complete this simple form, your information is transmitted to companies in Jersey City who will compete for your coverage. You won’t need to even leave your home due to the fact that quote results will go directly to your email. How cool is that?! It’s the lowest rates AND an agent nearby.

Deciding on an insurance agent should depend on more than just the price. These questions are important to ask:

  • What is the agency’s Better Business Bureau rating?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Will your rates increase after a single accident?
  • How long has their agency been open in Jersey City?
  • Can glass repairs be made at your home?
  • How long have they worked with personal auto insurance coverage?
  • How often do they review policy coverages?
  • Are you getting all the discounts the company offers?

Car insurance agents in Jersey City come in two varieties

When searching for a reliable agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents can either be captive or independent (non-captive).

Captive Insurance Agents

Captive agencies write business for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. Captives cannot place coverage with different providers so they have no alternatives for high prices. These agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents partially due to loyalty to the company and the convenience of having all coverages with one company.

Independent Insurance Agents

Independent agencies do not work for one specific company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When comparison shopping, we recommend you include at least one independent agent for the best price selection. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

Shown below is a short list of independent agents in Jersey City willing to provide rate quotes.

  • Insurance Agency – 3461 John F Kennedy Blvd – Jersey City, NJ 07307 – (201) 963-2000
  • Sam’s Insurance and Travel – 3396 John F Kennedy Blvd – Jersey City, NJ 07307 – (201) 659-6800
  • Insurance Agency – 3461 John F Kennedy Blvd – Jersey City, NJ 07307 – (201) 963-2000
  • Stanley Agency – 110 Central Ave # 1 – Jersey City, NJ 07306 – (201) 963-4380
  • Stanley Agency – 110 Central Ave – Jersey City, NJ 07306 – (201) 963-4380

For a full directory of Jersey City insurance agents, please view this page.

Once you have acceptable answers to all your questions and an affordable coverage quote, you may have just found an insurance agent that is a good match to properly insure your vehicles.

Does buying direct online get me lower rates?

Professional insurance agents can be invaluable at times, but you can also buy New Jersey car insurance direct over the internet. A few companies like State Farm and Allstate who have local agents in Jersey City also permit you to quote and buy online, and online price comparisons are easy as an alternative to contacting agents.

If you’re uncomfortable with not having an insurance agent’s advice when buying online, don’t sweat it. Online companies provide customer service for getting advice on proper coverages. Also available are anytime access to help and a customer research section so buying online is not difficult.

The best way to determine if the cheapest policy comes from an agent or online is to make apples-to-apples comparisons of both. Even though it sounds odd, people frequently get different pricing when getting a price from both an agent and online returned by the same company.

Does coverage cost less online? That question is hard to answer since companies use quite a few components which can raise or lower premium rates. Some people think that going direct prevents the agent from taking a cut. For the majority of companies, however, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.

Even more information can be found at the New Jersey Department of Banking and Insurance website. New Jersey drivers can find out which companies have the most complaints, find disaster information, and report car insurance fraud.

Better coverage you can count on

Drivers switch companies for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, an unsatisfactory settlement offer or even policy non-renewal. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

Auto insurance in Jersey City New Jersey

As you shop your coverage around, never buy less coverage just to save a little money. In many cases, an accident victim reduced liability coverage limits and discovered at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.