Car Insurance in Jersey City
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Explore Jersey City on Your Time
Jersey City, NJ, is one of the most diverse cities on the East Coast. Known for its multicultural atmosphere, bustling art scene and beautiful view of the Manhattan skyline, Jersey City has something to offer everyone. While living in New Jersey gives you access to the PATH, a 24-hour rapid transit system, relying on public transportation isn't always ideal. Sometimes, you want to travel on your own time, whether to cruise down the famous Sinatra Drive or commute to Manhattan for work. Having a car of your own provides you with unhindered freedom.
However, owning a car also means investing in insurance. Jersey City has one of the longest commutes in New Jersey and is above average for the U.S., with most commuters traveling 34 minutes. Backed-up streets, bridges and limited parking can create hazards on the road. Without ample car insurance in Jersey City, you could suffer financial losses, along with heavy penalties.
There are 283,927 people in Jersey City, with 46.62 percent traveling to work by car. Drivers must remain alert to their surroundings at all times. While cautious driving may be able to prevent an accident, there are still about 300 accidents per year. and if it happens to you, tailored coverage will help.
Determine Your Necessary Coverage
In New Jersey, it is mandatory to carry auto insurance. Drivers who don't have insurance can face fines, license suspension and jail time.
To help New Jersey residents pay for insurance, drivers have the option of a lower-cost basic policy. While the basic policy has lower costs, it also has less protection. The basic policy includes:
- Bodily Injury Liability: You do not receive bodily injury liability coverage with the basic plan, but you can get up to $10,000 for all persons per accident as an option.
- Property Damage Liability: Coverage for lawsuits and claims for property damage is $5,000 per accident.
- Personal Injury Protection: Coverage for injuries sustained by you and others under your policy is $15,000 per person per accident. For some injuries, you may obtain up to $250,000.
- Collision: Only some insurers offer collision under the basic policy.
- Comprehensive: A few insurers offer comprehensive coverage under the basic policy.
The basic policy is recommended for people with few assets or who do not have a family.
Learn the Cost of Car Insurance in Jersey City
The average cost of car insurance in Jersey City is approximately $2,719 annually. The higher the coverage, the more expensive your yearly costs become. For example, full coverage insurance costs about $6,596 on average, whereas the minimum coverage costs about $2,415. To find out the rates that make more sense for your vehicle and lifestyle, use VIU by HUB for a cost comparison.
Discover the Factors That Affect Your Rates
Your age, driving history and car make and model can all affect your rates. Generally, people under age 25 have higher rates than those with more experience. Insurers prefer safe drivers along with safe vehicles. Cars with a higher safety rating may have lower premiums, while cars with a reputation for being stolen may have higher premiums.
Insurance companies generally have set criteria for how they determine the cost. Additionally, some insurers may be willing to offer discounts to drivers for installing safety devices or anti-theft systems or for having a safe driving record or high credit score.
Access to various quotes from different insurance companies through VIU by HUB can help you make an informed decision about your car insurance in Jersey City, NJ.
This information is intended for general information purposes only and is not intended to constitute legal advice.