How to Shop and Save Money on Car Insurance in New Jersey

Find the best and cheapest car insurance in New Jersey

byNov 30, 2020 4:23 PM
How to Shop and Save Money on Car Insurance in New Jersey
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Drivers know they need to have car insurance and that being protected is important. But with so many companies out there offering different types of policies, how do you know what the best New Jersey auto insurance is for you?

With so many insurers out there, you might not want to spend the time to research different companies. After all, how different could insurance offerings really be?

The answer might surprise you. Even though insurers use the same types of information, such as where you live, your age, and your driving record in order to determine what your premium will be, rates can be very different from one company to the next. This is because each company decides which factors they want to prioritize when making the determination of what your premium will be. This can dramatically affect the cost of your car insurance.

How to Find Cheaper Car Insurance in New Jersey

Shop Around

The best car insurance is a policy that covers what you need, at a good price. The only way that you can be certain that you’ve found the best price is to shop around and get quotes from multiple insurers. This is an important step that you absolutely need to take when shopping for car insurance.

As noted above, while most auto insurance companies take factors such as where you live and what your driving record is into account when determining your premium, each company analyzes this information in different ways. Rates can vary from one insurer to the next, sometimes by a substantial amount. The only way you’ll find out how much that difference might be is to shop around.

See if Bundling Your Policies Is an Option

If you have other insurance policies, such as homeowners or renters insurance, see if you might be able to save money by “bundling” your policies. Insurance companies like customers to have multiple “lines” and encourage this by offering discounts to policyholders that insure multiple products with the same insurer. Check out Liberty Mutual’s bundled offerings or read more on the Liberty Mutual profile page on Clearsurance.

Ask if There Are Other Discounts

Has your daily commute changed? Are you working from home more and driving fewer miles? Are you willing to take a safe driver course? You might be surprised to find out what types of discounts are available to you. Ask your insurance agent or company for a list of discounts available to make sure you receive all the ones you’re eligible for. Learn more about driver discounts offered by Progressive.

Top 3 Car Insurance Companies in New Jersey According to Customers

Shopping for auto insurance in New Jersey is easier when you can start by investigating the top three car insurance companies as rated by customers on Clearsurance. These three companies all offer quotes on Clearsurance.com and are highly rated by their customers.

Below are the top car insurance companies in New Jersey that offer quotes on Clearsurance.com. These are the top companies rated by customers as of July 2020. We’ve also included analysis of customer feedback, including common trends discovered in the car insurance carrier reviews.

Please note: In order to qualify for the list, companies must sell car insurance in New Jersey, have at least 25 car insurance reviews, and they must be a Clearsurance affiliate and offer quotes on the site. For a complete and updated list of the top-rated companies in New Jersey, you can visit the New Jersey car insurance rankings page.

Progressive

Progressive is a large and well-known insurer with many insurance product options. Progressive has earned a score of 4.06 out of 5.00 for car insurance on Clearsurance.com, making it the highest-rated New Jersey car insurance company that offers quotes through Clearsurance.

Pros: Clearsurance customers mention Progressive’s transparent pricing and flexible billing, as key positive factors. They also like Progressive’s easy to use website and that the carrier provides a wide variety of coverage options.

Cons: There are no cons that are trending in reviews.

Progressive’s customers are a loyal group, and that holds true in Clearsurance reviews. An analysis of those reviews provided found that:

  • 80% state that they are likely to renew their Progressive policy.
  • 80% would recommend Progressive to a friend, and
  • 79% would rate their Progressive claims experience positively.

The Progressive review below highlights a positive experience that a New Jersey customer submitted to Clearsurance.com.

Clearsurance

Read all Progressive reviews on Clearsurance.com.

Allstate

Allstate receives a great deal of positive feedback from customers on Clearsurance.com. As a large, national insurance carrier offering a wide variety of coverage options, Allstate receives high marks from customers in New Jersey and across the country. Allstate earned a score of 4.03 for car insurance on Clearsurance.com. Be sure you have Allstate on your list of companies from which to get a quote.

Pros: Reviews on Clearsurance note Allstate’s transparent pricing and flexible billing options as key attributes along with a website that is easy to use and a variety of coverage options available.

Cons: Clearsurance’s analysis of customer feedback did not reveal any routinely mentioned negatives sourced from Allstate reviews.

Allstate’s customers are largely pleased with the customer service and coverage that they receive. This is reflected in the number of positive reviews the company has on the Clearsurance website.

  • 80% state that they’re likely to renew their Allstate policy.
  • 78% would recommend Allstate to a friend, and
  • 77% have rated their claims experience as positive.

The review below was submitted by a New Jersey Allstate customer and discusses the positive experience received.

Clearsurance.com

Read all Allstate insurance reviews on Clearsurance.com.

Esurance

Esurance is a company to consider if you’re looking for car insurance in New Jersey. With a number of insurance products offered such as auto, home, and renters insurance, Esurance is widely available and a leader in technology. Esurance earned a score of 4.03 for car insurance on Clearsurance.com. Esurance offers insurance quotes online.

Pros: It should be no surprise that many Clearsurance reviews from customers mention an easy-to-use website as a positive, since Esurance was one of the first companies to focus on online offerings.

Cons: One often-mentioned negative is that Esurance doesn’t reward its loyal customers.

Esurance customers provide a lot of positive feedback, as reflected by the following Clearsurance analysis of reviews.

  • 74% state that they are likely to renew their Esurance policy,
  • 77% say that they would recommend the company to a friend, and
  • 75% rated their claims experience positively.

In the Esurance review below, the New Jersey customer discusses Esurance’s quick response with an issue they experienced.

Clearsurance.com

Read all Esurance reviews on Clearsurance.com.

Best Car Insurance for Military Members: USAA Insurance

USAA is only available for members of the military and their immediate family, so you must qualify in order to be eligible for the insurance. If you are, you’re in luck because USAA receives high marks from its members. USAA earned a score of 4.71 out of 5.00 stars for car insurance on Clearsurance.com.

Please note: USAA is the highest-rated car insurance company in New Jersey, but it was not included in the top three list above because it is only available to active and former military members and their families.

Pros: In Clearsurance.com reviews, USAA members rave about the carrier’s discounts and flexible billing options. They also frequently mention transparent pricing as a positive.

Cons: In an analysis of reviews posted on Clearsurance, no consistent negatives were identified.

USAA customers are dedicated and loyal, and are very happy with the coverage they receive. An assessment of Clearsurance reviews revealed that:

  • 93% are likely to renew their USAA policy,
  • 94% would recommend the company to a friend, and
  • 94% rated their claim experience positively.

The USAA review below highlights a great experience that a New Jersey customer had.

Clearsurance.com

Read all USAA insurance reviews on Clearsurance.com.

Best Car Insurance for Those Aged 50 and Over: AARP Auto Insurance Program from The Hartford

If you’re a senior over the age of 50 living in New Jersey and searching for car insurance, you may wish to consider the AARP Auto Insurance Program from The Hartford. This insurance is designed specifically for those aged 50 or older and receives considerable praise from customers in reviews. The AARP Auto Insurance Program from The Hartford received a score of 4.63 out of 5.00 stars on Clearsurance.com.

Please note: The AARP Auto Insurance Program from The Hartford has a higher rating than the top three New Jersey companies listed above. It was not included in the main list above because it’s only available to those who are 50 years of age or older and have an AARP membership.

Pros: On Clearsurance.com, customer reviews mention a wide variety of coverage options and flexible billing as key positive traits. Reviews also praise AARP from The Hartford for clearly explaining coverage options and the easy-to-use website.

Cons: One frequently mentioned negative is that they do not reward loyal customers.

Overall, customers on Clearsurance like the coverage they receive from AARP – The Hartford:

  • 73% say that they are likely to renew their policies with AARP The Hartford,
  • 81% would recommend the insurance to a friend, and
  • 79% say their claims experience was positive.

There are many positive reviews submitted to Clearsurance.com of the AARP Auto Insurance Program from The Hartford. To highlight one, read the review below from a customer who had a great experience with the insurance.

Clearsurance.com

Read all reviews of the AARP Auto Insurance Program on Clearsurance.com.

>>> SEE ALSO: Watch our YouTube video: Best car insurance in New Jersey

Top 3 New Jersey Car Insurance Companies Based on Customer Price Ratings

When shopping for car insurance, one of the most important aspects to compare is the price of the policy. You should compare the price from several different companies to make sure that you’re getting a policy for a good value. Clearsurance analyzed New Jersey companies and how customers rated the company for the price of their policies.

Below you can find the top 3 New Jersey companies rated by customers for their perceptions of price. The top option is only available to military members and their families.

Please note: for this ranking, we looked at all car insurance companies in New Jersey that had at least 25 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.

  1. USAA Insurance*: New Jersey price rating of 4.36
  2. AAA Insurance: New Jersey price rating of 4.30
  3. NJM Insurance: New Jersey price rating of 4.24

*USAA is only available to military members and their families.

If you’re looking for the best New Jersey auto insurance, there is a lot to consider. Shopping for auto insurance needn’t be difficult but it should be thorough. The best way to make sure that you’ve investigated all of your options is to follow the tips in this blog and to shop around for the best price and options. Visit Clearsurance's New Jersey car insurance rankings page to start shopping.