McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Irvington Car Insurance

Irvington car insurance comes with a number of options for drivers of all ages and lifestyles. While some drivers are happy to insure under a basic New Jersey auto coverage policy and tort system, others will opt for a no fault system and look for a comprehensive coverage policy instead. For residents in Irvington, NJ it is important that you compare your options before selecting your Irvington auto insurance to ensure that you are getting the best price as well as the best policy for your specific needs.

Average NJ Car Insurance Rates

New Jersey residents pay, on average, $2300 per year for their vehicle coverage which is over $900 more than the average resident in the United States[1]. NJ has the second highest car insurance rates across the nation with New York taking out the title. Both of these eastern cities see a lot of traffic on the roads as well as additional dangers due to poor weather conditions and high crime.

One of the reasons for the high vehicle coverage rates across Irvington is due to the high crime rate of this small city. Irvington has been considered more dangerous than Camden with a violent crime rate of 22.4 incidents per 1,000 population. This is six times higher than New Jersey’s overall crime rate and one of the reasons for such a high car insurance premium. After all, the more theft and vandalism accounts on a car, the higher the average premium is going to be. Another reason why Irvington see such high rates in comparison to other states is because there are a lot of people on the roads and thus a lot more accidents reported and more claims made.

You do not have to move away from Irvington, however, to lower your Irvington car insurance. There are plenty of discounts and other ways to get the best price on your policy no matter what you are using your car for. Be sure to compare your options online to find the cheapest policy for you.

Discounts on Car Insurance

Discounts on Irvington automobile insurance are ways for providers to get business. Because there are so many different providers and cheap online coverage out there, you have a wide variety of companies to choose from. In addition to finding a company that you can trust, you also want to find a company that offers you the lowest price possible. This is where discounts come in.

A discount will usually provide you with a savings of anywhere from 5 to 35 percent on your Irvington car insurance premium. Some discounts are specific to certain drivers, such as the mature driver discount for senior citizens and the good student discount for student drivers. Others are catered towards certain vehicles such as the green discount for owners of hybrids and other fuel efficient models. Other discounts, such as the multiple policy discount apply to those that insure more than one car with the same provider while the loyalty discount rewards drivers that remain with the same company for a certain period of time. There are even discounts available for drivers that own a certain credit card or are part of a certain organization in New Jersey. You may be eligible for one or more of these deals and not even realize it.

In addition to shopping around for Irvington car insurance discounts, another way to get the best rates on your coverage is to spend less time on the road. By lowering your mileage you can also lower your premium. Residents can take advantage of the public transportation system or join a carpool into work to save on their annual mileage numbers. If you drive less than 5,000 miles a year, then you could also qualify for a low mileage discount.

Irvington Car Insurance Online

When you are driving on the roads in Irvington and across New Jersey, you need to remain a safe and responsible driver to get the best discounts on your Irvington vehicle insurance. The lowest rates are reserved for the good drivers. After five years with a clean record and no claims, you should be in the lowest bracket for your car insurance (unless you own an expensive or unsafe vehicle). Try to avoid the roads during poor weather conditions and backed up traffic as well as at nights and on the weekends when vehicle accidents are more common. You may want to invest in an anti theft device for your vehicle and make sure you always park it in a safe and secure area to reduce the risk of theft.

You hold the key to a better Irvington car insurance rate. All you need to do is compare your options, find your policy and select your price online. The cheapest car insurance quotes are only a click away.

[1] http://www.carinsurance.com/Average-Premiums.aspx 03/12/2011

partners

FREE Quotes, Multiple Insurers

Zip Code