Without proper car insurance in Jersey City, drivers face potential financial devastation if they are found at fault in an accident. Protecting yourself from the high cost of auto insurance claims can be easily accomplished by purchasing the right amount of coverage to fully protect your assets and loved ones.
Car insurance is not a luxury. It should be an absolute essential part of your insurance protection plan. Our online insurance quoting tool simplifies the buying process making it easy for consumers to research, evaluate and compare premium rates on coverage from different companies.
While many drivers understand the requirements for carrying Jersey City car insurance, there is often confusion when it comes to shopping for policies and choosing actual coverage. That’s where our instant insurance quotes can help. You’ll receive auto insurance quotes right online so that you can review coverage and compare policies from multiple insurance carriers in the comfort of your home or office. Simply input your zip code in the form above and receive insurance quotes right now.
Car Insurance Agents in Jersey City
Car insurance agents offer a level of service to residents in the community that is unmatched in many industries today. As an adviser, they can help you evaluate potential car insurance policies and determine what type of coverage best suits your situation. When you find the right policy, they help with rates and securing coverage, and when you have a claim, they also provide assistance in filing and managing that claim as well. Read on to learn more about Jersey City auto insurance agents available to assist residents with all their auto insurance needs.
Jersey City Allstate Insurance Agents
Five Allstate Insurance agents assist New Jersey drivers with their auto insurance needs. Four of the 5 agents offer bilingual Spanish services.
Jersey City Farmers Insurance Agents
Farmers Insurance offers a local team of 50 insurance agents in Parsippany to provide car insurance in Jersey City. Bilingual services in Spanish, Portuguese, Italian and Hindi are also available for those residents needing assistance in their native language.
Jersey City Geico Insurance Agents
Geico Insurance does not have an agent located in Jersey City, however, there are 6 agents providing Geico auto insurance policies. Their locations include Hackensack, Cherry Hill, Monmouth, Somerset and Trenton. Geico Insurance may also be purchased directly from the company by phone or online.
Jersey City Progressive Insurance Agents
Jersey City is home to 13 Progressive independent insurance agents.
Jersey City State Farm Insurance Agents
State Farm offers a network of 18 agents to provide car insurance in Jersey City and surrounding areas. More than half of the State Farm agents speak Spanish.
New Jersey Department of Banking & Insurance Licensed Agent Lookup
Consumers may research insurance agents using the New Jersey Department of Banking and Insurance licensed agent lookup feature on their website. The site returns information concerning the status of agents, agencies and companies doing business in New Jersey.
If you don’t see your company on our resource list, please email us about being added by using our contact form. Currently, we only accept listings for individual agents through our paid feature option.
Jersey City Car Insurance Rates
According to CarInsurance.com, Jersey City average yearly auto insurance premiums are $2,580 making the city’s rates 18 percent higher than New Jersey’s average premiums of $2,117. Overall, Jersey City’s insurance premiums are also 35 percent higher than the national average yearly premiums of $1,678. Because Jersey City auto insurance rates are so much higher than the state and national averages, drivers need to make sure that they review existing coverage each year and shop for new quotes in order to maintain competitive rates.
Driving in Jersey City
With almost 250,000 residents, Jersey City has the 2nd largest population in the State of New Jersey, and because it is part of the greater New York City metro area, traffic from both New Jersey and New York can make driving in the area quite a challenge. The city boasts a large transportation, distribution and manufacturing hub with plenty of activity to and from the Port of New York. Almost 47 percent of the city’s working population utilize public transportation, and 40 percent of the city’s households do not own a car.
With public transportation as a major resource to area residents and the high price of car insurance in Jersey City, it is not surprising that many people do not choose to purchase an automobile. When you also look at the Inrix.com National Traffic Scorecard and discover that this region of the country is number one out of the 100 most traffic congestion cities, it is no wonder that many local residents do not drive at all. Jersey City also ranks 186 out of 200 cities for safe drivers, and statistically drivers are 57.5 percent likely to experience an accident in Jersey City when compared to the national average according to the Allstate Insurance 2011 Best Drivers Report.
Jersey City is located in Hudson County, and the County ranked 10 out of 21 counties in New Jersey for car related deaths according to the National Highway Traffic Safety Administration. In 2010, there were 25 traffic fatalities with 8 of those deaths caused by alcohol impaired driving. This represents a 14 percent increase in fatalities from 2009.
Real time traffic reports for Jersey City are available on the 511NJ website created by the New Jersey Department of Transportation. Travelers may log on to find alerts about traffic incidents, road closures, construction and weather related events.
New Jersey Auto Insurance Laws
Because New Jersey auto insurance laws are complex, many drivers choose to rely on the services of professional insurance agents in order to secure the right type and amount of auto insurance. All drivers must have car insurance; however, the State of New Jersey allows them to choose the level of responsibility with either no fault or limited right of suit coverage. Read more about the minimum New Jersey car insurance requirements by visiting our online guide.
Jersey City Car Insurance Quotes
While shopping for Jersey City auto insurance can be a challenge, our online tool helps you conveniently access the information you need so that you can quickly evaluate available policies and find the right one for your auto insurance needs.
In today’s economy, affordability is a great concern. With quotes from multiple carriers, our tool simplifies the shopping process to allow you to find rates that will meet your budget. Get started right now by entering your zip code in the box below. You’ll be directed to insurance quotes from various carriers instantly.