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Jersey City Car Insurance

Jersey City car insurance must be purchased by residents living in New Jersey that plan on driving a vehicle. Even if you only need to insure your car under a basic New Jersey auto coverage policy or if you only drive it once and a while, you still need to purchase some level of insurance for it as part of the law in NJ. Compare your options and select an affordable yet comprehensive Jersey City car insurance policy for your specific driving needs by shopping online.

Cheapest Car Insurance Quotes

There are nearly 250,000 people that call Jersey City home which makes Jersey City the second largest city in NJ. Of these people, many commute to New York for work on a regular basis. This means that you may be constantly battling the traffic in order to make it into the office in the morning and back home at night. Not only could this long commute cause strain on your emotional well being but it can also be a strain for your wallet. After all, Jersey City car insurance is not cheap. In fact, New Jersey residents pay, on average, one of the highest premiums for vehicle coverage across the United States.

The good news for Jersey City dwellers looking to cut back on the cut of their insurance is this – Jersey City offers extensive public transportation for commuters. In fact, nearly 50 percent of all workers take advantage of public transit and many homeowners in Jersey City don’t even own a car. If you do own a car and need to purchase cheap auto insurance for it, one of the ways to cut back on the costs each year is to cut back on the time you spend driving.

One of the public transit options to help you cut back on your Jersey City auto insurance is the Hudson Bergen Light Rail which has three different branches and twenty three stations. There is also a 24 hour rail transit system known as PATH which connects JC to Manhattan and Newark Penn Station. The NY Waterway Ferries also services residents in JC as does the Liberty Water Taxi and the Statue Cruises system. There are plenty of bus services that also stop at various locations in Jersey City as well as some other suburbs in this part of NJ.

Tips to Lowering your Premium

If you are spending a lot of time on the roads then considers taking your car off the road for part of the year. Look into temporary Jersey City car insurance which is offered through certain providers. You can save a fortune on your annual premium by paying only for the months that you actually drive.

Another option is to look for a provider that offers a low mileage discount which usually applies to drivers that do less than 5,000 miles a year. If you are only using your car occasionally and taking advantage of walking and public transit often, then this discount could apply to you.

Best Car Insurance Discounts

There are several other discounts on offer that you should consider when shopping around for Jersey City automobile insurance. Seniors may qualify for a mature driver discount while students may be eligible for a good student discount and a savings of 5-15 percent on their coverage. If you own a hybrid vehicle you could be looking at a green discount or if you need to insure more than one car, you may be able to save with a multiple policy discount. Not all providers offer these deals and incentives so be sure to compare your options to find the best discounts that apply to you.

Occasional drivers and public transit users can also look for a Jersey City vehicle insurance company that offers a pay as you go policy where you only pay for the miles you actually drive. For some occasional drivers, this is another great way to save on your annual Jersey City car insurance. Whatever policy you decide, make the best decision by comparing your options online and selecting a quote that is affordable.

Before you go with the cheapest policy on offer, however, it is important that you also do a bit of research into what type of Jersey City car insurance you actually want. New Jersey residents can choose to either insure under a limited tort or a full tort system so you can decide what works best for you. Weigh your options and familiarize yourself with the pros and cons of each type before you select a policy. An occasional driver may be happier on a limited tort system while a frequent driver may prefer to insure under a full tort system. The choice is up to you so take advantage of this flexibility when buying your annual car insurance.

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