The acquisition of an insurance plan for your vehicle is of vital importance in today’s world. There are many car insurance Clifton NJ providers who will offer to cover your car at affordable quotes along with their favorable discounts and incentives. Most drivers in Clifton NJ, prefer to make comparisons between the best car insurance companies before deciding which insurance plans to acquire. It is important to note that the features of your insurance plan, such as quotes, premiums, discounts, and pricing, will vary from one insurance company to another.
Moreover, other personal factors such as the drivers’ residence, credit score, driving record, and the model of your vehicle are likely to influence the type of insurance plan that you can purchase in Clifton, NJ. For example, living in an area with high crime rates is expected to increase insurance rates compared to other safe places. However, with adequate information about cheap car insurance in Clifton, NJ, purchasing the right insurance plan should not be a hustle.
The Best Cheap Car Insurance Companies In Clifton NJ
To purchase the best car insurance in Clifton NJ, you must shop within the various auto insurance providers to ensure you only get the best. You can make comparisons from the different insurance quotes offered to ensure you only get the best policy. Auto insurance quotes in Clifton NJ, will vary with hundreds, thousands, and even millions; thus, comparing the quotes will save you a lot of money. In the chart below are some of the best auto insurance providers in Clifton NJ:
| Rank | Company | Annual Payment |
| 1 | GEICO | $1,189 |
| 2 | New Jersey Manufacturers | $1,265 |
| 3 | Metlife | $1,371 |
| 4 | Allstate | $1,463 |
| 5 | Amica Mutual | $1,579 |
| 6 | Progressive | $1,641 |
| 7 | Esurance | $1,765 |
| 8 | The Hartford | $1,892 |
| 9 | State Farm | $2,167 |
| 10 | Travelers | $2,256 |
| 11 | Mercury | $2,371 |
| 12 | Nationwide | $2,485 |
| 13 | CSAA | $2,573 |
| 14 | Plymouth Rock Assurance | $2,674 |
The table above shows that different insurance companies in Clifton, NJ, will offer additional quotes for their auto insurance covers. Additionally, only the drivers with clean driving records and good credit scores will get the best auto insurance policies. The insurance costs of your vehicle depend on personal factors and the features of your insurance provider. As such, the figures in the table above are only estimates and valuable for comparison purposes mainly.
Average Cost Of Car Insurance In Clifton NJ
Unlike every other state, the average cost of insurance in Clifton NJ, is $1,893 annually, higher than the national average annual premium. National statistics reveal that drivers in Clifton, NJ pay 6% more than the average and 24.6% more than the typical yearly premiums in the United States. Insurance quotes in Clifton NJ, will depend on several factors such as your deductibles, credit scores, and driving records. Drivers who pay high deductibles are likely to pay lower quotes at the end of the month than those who pay lower deductibles. As a driver in Clifton, NJ, the best way to get lower insurance rates is by engaging in comparison shopping among the different insurance providers in the city. One of the benefits of engaging in comparison shopping is that it exposes you to the insurance quotes of the various insurance providers. Thus you can be able to purchase the most affordable auto insurance cover.
Clifton Auto Insurance Requirements
In Clifton, NJ, the law demands that you either acquire a basic insurance policy or a standard insurance policy. The basic insurance cover in Clifton NJ, offers a $5,000 Limit on property damage per accident. In contrast, the standard policy provides a $15,000 limit liability for every passenger’s bodily injury in every accident, $30,000 Bodily injury liability for multiple injured persons in an accident, and a $5,000 property damage limit liability for each accident that occurs.
Who Offers The Cheap Car Insurance Rates In Clifton NJ For Married Couples?
Clifton NJ, the best car insurance company, will offer cheaper insurance rates to couples than singles. This is because insurance companies regard marriage as a severe phase of life, and persons that marriage must be willing to take responsibility for their families and energy. Thus they are considered to be responsible drivers. On the other hand, singles are viewed as high risk to the insurance firms due to their reckless driving. Couples can also get lower insurance rates by covering their vehicles under one policymaking to enjoy various insurance companies’ discounts. The chart below shows some of the cheapest auto insurance coverage that couples can purchase in Clifton NJ:
| Company | Married Couples Rates |
| Allstate | $1,896 |
| GEICO | $2,075 |
| NJM | $2,183 |
| Nationwide | $2,261 |
| Amica Mutual | $2,378 |
| Travelers | $2,451 |
| Progressive | $2,495 |
| State Farm | $2,678 |
While using the rates in the chart above, it is essential to keep in mind that insurance rates will vary depending on your insurance provider and individual factors like your driving record. Thus you can only use the estimates in the chart for comparison purposes only as they do not necessarily reflect the actual rates of your auto insurance provider.
Clifton NJ Cheap Car Insurance Quotes For Young Drivers
Age is a vital determinant to insurance companies in Clifton NJ while determining the insurance rates you will be paying. In most cases, drivers in their 20s are likely to pay higher insurance rates than other classes of drivers. Most accidents in Clifton NJ, can be accounted to the reckless driving of young drivers. This makes them a high risk to auto insurance companies, making it very difficult for them to acquire cheap car insurance quotes. Comparison shopping for the young drivers in Clifton NJ, becomes very useful in identifying insurance companies that will offer lower rates. Despite the higher incidents of accidents among teenage drivers, some insurance companies will still provide affordable auto insurance policies as depicted in the chart below;
| Company | Annual Payment |
| GEICO | $2,078 |
| State farm | $2,375 |
| Selective | $2,451 |
| Nationwide | $2,498 |
| Allstate | $2,573 |
| Amica Mutual | $2,671 |
| Travelers | $2,895 |
| Penn National | $3,268 |
The road experience of teenage drivers makes them very prone to accidents, increasing their insurance rates. However, as their age advances and their road experience increases, the higher insurance rates are also likely to declines. It is also advisable for young drivers to purchase collision and comprehensive insurance, which will help minimize costs arising from accidents. It is, therefore, possible for insurance rates to differ from one teenage driver to another depending on the insurance covers that they have. As such, the figures in the chart can only be used as estimates for comparison purposes.
Clifton NJ Car Insurance For Drivers With A Good Record
In Clifton NJ, a good driving record acts as a guarantee to the auto insurance companies to prove that you have low road incidents. With a good driving history, you can purchase auto insurance covers from various drivers at affordable rates as they view you as a lesser risk. Moreover, ensuring a driver with a good driving record is cheaper as statistics show that their probability of engaging in accidents is minimal. The chart below shows some of the best auto insurance providers in Clifton NJ, for drivers with a good driving record;
| Insurance Company | Full Coverage |
| Allstate | $2,089 |
| Travelers | $2,165 |
| Progressive | $2,287 |
| Nationwide | $2,361 |
| Esurance | $2,489 |
| GEICO | $2,542 |
| State Farm | $2,586 |
| Farmers | $2,671 |
Cheapest Minimum Coverage For Young Drivers In Clifton NJ
In Clifton NJ, young drivers can purchase cheap insurance covers from various auto insurance providers. The following chart shows some of the most affordable auto insurance providers in Clifton NJ:
| Company | Annual Payment |
| State Farm | $589 |
| GEICO | $672 |
| NJM | $849 |
| Esurance | $1,167 |
| Nationwide | $1,251 |
| Amica Mutual | $1,289 |
| Selective | $1,342 |
| Travelers | $1,395 |
The insurance rates for young discounts are usually very high however young drivers can lower these rates by taking advantage of the various deals in the market. In Clifton NJ, auto insurance companies will offer a good student discount to young drivers that take a defensive driving course. Additionally, being under your parent’s cover enables you to enjoy the student-away-home discount, among other deals. Insurance rates for young drivers may be higher than that of other groups as they are prone to more accidents. The rates used in the table below are only estimates and suitable for comparison purposes only.
Best Coverage For Multiple Cars In Clifton NJ Car Insurance
Insuring multiple vehicles in Clifton NJ, has never been this affordable and easier. With just a click on your phone, you can receive quotes from various auto insurance companies and compare the different insurance rates in the car insurance market. Drivers in Clifton NJ, can enjoy discounts for insuring multiple vehicles with the same insurance company. The chart below shows some of the average savings you can obtain for insuring various vehicles:
| Number of Cars | Insurance Cost |
| Two vehicles | $3205 |
| Three vehicles | $5210 |
| Four vehicles | $6515 |
It is noteworthy that the information in the chart above is subject to change depending on your insurance provider and your traits and thus does not necessarily reflect the actual costs.
Cheap Auto Insurance Quotes In Clifton NJ By Age
Auto insurance quotes in Clifton NJ, will vary as your age advances. You are likely to pay high rates for car insurance when you are young instead of when you are old. The assumption behind this is that young age is associated with reckless driving due to their reckless driving. On the other hand, older drivers pay fewer insurance rates as they are a minor threat to themselves and others while driving. Your road experience increases as your age increases; thus, your age group will influence how much you will pay for the insurance. In Clifton, drivers in their early 20s will pay the highest premium, while those in their middle age will pay lower insurance rates, and finally, senior drivers’ rates rise slightly. Senior drivers are drivers in their 70s, and their rates are higher as statistics show they are associated with eye and ears problems which causes them to be more prone to accidents. Middle-age drivers will pay lower insurance rates as they are in the best phase of growth, and thus they are considered the safest drivers. The table below shows some of the best auto insurance quotes you will receive depending on your age:
| Age of Driver | Insurance Cost |
| 17-19 | $5190 |
| The 20s | $1258 |
| The 30s | $1303 |
| The 40s | $1365 |
| The 50s | $1295 |
| The 60s | $1281 |
| The 70s | $1495 |
The quotes above are mere estimates and won’t necessarily reflect the actual costs of your insurance providers, as insurance quotes will vary depending on several factors. Teenage drivers who pay higher insurance quotes should consider acquiring the collision and comprehensive policy to cater for expenses arising from accidents.
Cheap Car Insurance In Clifton NJ After A Car Accident
NJ road incidents that you cause or engage in, whether it’s your fault or not, increases your insurance rates significantly. Statistics show that auto insurance covers in Clifton NJ will increase approximately by 53% after you engage in an accident. However, this is not the standard rate by which the insurance rates will rise as some insurance companies may offer cheap insurance rates to you after an accident. Thus it is essential that you shop around before purchasing an auto insurance policy after an accident. Remember that the cheapest car insurer in Clifton NJ, may not necessarily be the most affordable after an accident.
| Company | Average Rate |
| Allstate | $2,397 |
| Farmers | $2,465 |
| Progressive | $2,582 |
| Nationwide | $2,694 |
| Esurance | $2,781 |
| Amica Mutual | $2,876 |
| State farm | $2,951 |
| Travelers | $3,189 |
Recent research shows that most drivers tend to switch their insurance providers after engaging in an accident as their insurance rates shoot significantly. Additionally, the rates in the chart above are estimates and suitable for comparison uses only.
Cheap Car Insurance In Clifton NJ After A Speeding Ticket
Receiving a ticket due to distracted driving raises your insurance rates as you are more prone to accidents. Moreover, reports from road authorities indicate that most accidents in Clifton NJ arise from distracted drivers. However, some insurance providers will offer cheap insurance covers to drivers even when they receive tickets for distraction or over-speeding. The chart below shows some of the insurers that will provide affordable rates after you receive speeding access:
| Company | Annual Payment |
| GEICO | $1,145 |
| NJM | $1,189 |
| Esurance | $1,273 |
| Nationwide | $1,341 |
| Travelers | $1,389 |
| Allstate | $1,456 |
| Progressive | $1,532 |
| Amica Mutual | $1,587 |
Cheap Car Insurance Companies In Clifton NJ For Drivers With Bad Credit Score
Your car insurance company will use your credit scores to determine your insurance rates. Healthy credit scores are good indicators of your ability to fill your insurance claims annually or monthly. Drivers with bad credit scores may find it difficult to acquire cheap insurance quotes as they may default the payments of the premiums. Working on your credit scores is an excellent way to reduce the number of premiums you will pay. The chart below shows some of the auto insurance prices that drivers with poor credit scores will pay in Clifton NJ:
| Company | Annual Payment |
| New Jersey Manufacturers | $2,145 |
| GEICO | $2,189 |
| Amica Mutual | $2,236 |
| Travelers | $2,278 |
| Esurance | $2,381 |
| Mercury | $2,452 |
| Progressive | $2,496 |
| Allstate | $2,598 |
Cheap Auto Insurance Quotes In Clifton NJ For Minimum Coverage
The minimum insurance coverage is a policy that most Clifton NJ drivers use to ensure that they stay legal while driving. Like every other state, Clifton NJ minimum cover only offers limited coverage and does not give adequate property nor bodily protection in the event of an accident. The rates and averages in the minimum insurance coverage will also differ from state to state. In Clifton NJ, the difference between the minimum and full insurance cover is currently $537.
| Company | Annual Payment |
| GEICO | $537 |
| Amica Mutual | $641 |
| NJM | $689 |
| Allstate | $751 |
| Progressive | $798 |
| MetLife | $854 |
| Esurance | $972 |
Cheapest Car Insurance Companies In Clifton NJ For Seniors
In Clifton NJ, you are considered a senior driver if you are 65 years and above. Seniors drivers are also prone to accidents, and they are responsible for approximately 16% of the accidents that occur in Clifton NJ. As a senior driver, to get the best insurance rates, you should consider taking the defensive driving course and the safety drivers course, which will expose you to the various discounts that auto insurance companies offer to seniors. Once you have completed your driving courses, notify your insurer to ensure they are aware of your road safety skills to enroll you. Include your name for the discounts. Moreover, senior drivers can reduce their insurance rates by engaging in less driving and keeping young drivers out of their vehicles. The table below shows some of the cheapest car insurance quotes for seniors in Clifton NJ:
| Company | Annual Payment |
| GEICO | $972 |
| NJM Insurance Group | $1,159 |
| Mercury | $1,238 |
| Natiownide | $1,276 |
| Esurance | $1,352 |
| Allstate | $1,461 |
| State Farm Insurance Company | $1,549 |
| Amica Mutual | $1,673 |
In Clifton NJ, the law demands that seniors renew their licenses every four years before passing a vision examination. Some states offer special treatment to senior drivers; however, this is not the case in Clifton NJ. The rates and averages in the table above are mere approximations and do not give actual figures that your insurance provider will charge.
Cheap Auto Insurance Quotes In Clifton NJ After DUI
The impact of DUI ranges from claiming thousands of life annually to higher insurance rates. DUI drivers are responsible for the fatal accidents in Clifton NJ, which take 1.0% of the accidents that occur in the city. Insurance companies that cover DUI drivers will charge higher rates since they have to cater to the hefty legal and health charges arising from the frequent DUI accidents. Before taking alcohol, it’s very advisable to ensure that you are not the one driving since there are many repercussions to face if you engage in a DUI-related accident. Below are some of the charges that DUI drivers will pay to insurance companies:
| Company | Annual Payment |
| New Jersey Manufacturers | $1,489 |
| Progressive | $1,754 |
| GEICO | $1,892 |
| Amica Mutual | $2,271 |
| Progressive | $2,365 |
| Mercury | $2,674 |
| Allstate | $2,789 |
| Esurance | $2,853 |
In Clifton NJ, laws relating to DUI drivers have changed because of the negative implications of DUI driving. Nowadays, it is impossible to be expunged from the DUI records even after seven years of having a clean driving record. It is only possible for drivers that are proved not guilty of DUI to be expunged from DUI records.
How To Get Cheap Car Insurance Quotes In Clifton NJ?
Engaging in comparison shopping is the only way that guarantees that you will get a cheap insurance policy. Getting an affordable insurance plan also entails ensuring you are only paying for insurance covers that you require. Additionally, taking advantage of the various insurance discounts being offered by insurance companies provides you acquire a cheap insurance cover. For example, insuring multiple vehicles with the same insurer saves you a lot of money. Couples should also insure their vehicles under a single policy while young drivers remain on their parent’s cover to ensure that their insurance rates are cheaper.
Other strategies that you can use to ensure that insurance policy is affordable is enrolling for higher deductible payment with your insurer, taking a defensive drivers course, paying for your insurance covers in advance, ensuring your items with one insurer, etc. for example, taking the driver safety course and the safety driving course increases your experience behind the wheel which makes you a lessor risk to yourself and others. It also enables you to enjoy discounts from your insurer. Road safety and expertise allow the insurance companies to view you as a lessor risk and thus charge you fewer insurance premiums. Thus improving your road experience while driving is an excellent way of ensuring you get a cheap insurance policy in Clifton NJ.
What Are The different Types Of Clifton NJ Auto Insurance Coverage?
If you are interested in acquiring a cheap auto insurance policy in Clifton NJ, then understanding the different types of coverage, what they cover, and how they work is an important step. The following are the common cheap auto insurance coverage in Clifton NJ.
Towing and labor insurance
This is a cheap auto insurance coverage that protects motorists in Clifton NJ, from some hassles and costs associated with roadside breakdowns such as flat tires if your car’s batteries die or possible lockout. However, towing and labor insurance policy is an optional coverage that you add to your comprehensive coverage—the coverage covers jump-starts, oil or gas delivery, changing of flat tires, and towing.
Classic car insurance
This is a cheap specialized car insurance coverage in Clifton NJ, covering different expert services and options designed by classic car owners. The services and options may not be available on common auto insurance companies. The most common feature of classic car insurance coverage is the agreed car value policy, where the owner of the vehicle and the best auto insurance company Clifton NJ mutually agree on the value of your car with the help of an appraiser.
Comprehensive insurance
This is a cheap auto insurance Clifton NJ coverage that caters for damages caused when you collide with another vehicle. The coverage is an optional policy added to other insurance policies such as a classic car insurance policy, collision, or liability coverage. Some of the many things covered by comprehensive insurance include vandalism, fire, theft, flying objects, earthquakes, contact with animals, etc.
Major parts Replacement Coverage
This is a cheap auto insurance policy covering the damage of your major car’s parts and replacement cost. The best auto insurance company Clifton NJ caters to all your significant parts replacement cost regardless of the depreciation and the wear and tear of the parts been replaced. Some of the considerable parts include brakes, batteries, and tires.
Uninsured motorist insurance
This is a cheap auto insurance policy in Clifton NJ, that covers your car against a possible collision with uninsured drivers and hit-and-run accidents. The uninsured motorist policy can be insured together with the underinsured motorist insurance.
Liability insurance
This type of auto insurance policy protects the insured from claims resulting from damages and injuries caused to other people or their property. The policy covers any possible payouts or legal costs imposed on the insured if he/she is found to have legally caused the damage or the injuries. Therefore, the liability policy caters to damages to third parties.
Personal injury protection insurance
This is a type of cheap auto insurance policy in Clifton NJ, that covers your lost salaries and medical bills when you and your passengers are injured in an accident. The insurance policy covers the following, operation expenses, medical checkups, reduced wages when you cannot work due to injury sustained from the accident, and funeral expenses when someone dies.
Gap insurance
This type of auto insurance coverage helps car owners who acquire their cars on loan to pay off their auto loan if their vehicle is totaled or stolen.
Roadside Assistance
This type of insurance policy helps your car get back on the road whenever your vehicle breaks down. The assistance service includes flat-tire services, battery jump-start, fuel delivery, and towing services.
Collision insurance
This is a cheap auto insurance policy in Clifton NJ, that covers damages to your car after a collision with another vehicle and also replaces your vehicle if it’s damaged beyond repair.
New car insurance replacement
This cheap auto insurance policy pays for your car replacement when it’s damaged and declared a total loss. The best auto insurance company Clifton NJ pays you a brand new car of the same year, model, and make after deducting the deductibles.
Rental reimbursement insurance
This type of cheap auto insurance policy covers your rental car expenses whenever your car is being repaired. The policy is optional to rental drivers in Clifton NY.
Original parts replacement
This type of auto insurance policy allows you to replace any part of your damaged vehicle with an original part from your car manufacturer, not a third party.
Medical payments coverage
This is a cheap auto insurance policy that helps you meet medical costs and funeral expenses after an accident regardless of who was at fault.
Underinsured motorist insurance
This is a type of insurance policy in Clifton NJ, that protects you if you are involved in an accident with a driver whose insurance policy cannot fully meet the damages and cost of the accident.
Is Clifton NJ Auto Insurance A No-Fault?
Clifton NJ is a no-fault auto insurance state where you limit your credit score for pursuing cheap and affordable auto insurance Clifton NJ if you are involved in a car accident. In Clifton NJ, your auto insurance coverage covers your medical expenses and other out-of-pocket losses to anyone covered by the auto insurance policy until the set limit is reached.
Ways To Reduced Rates In Clifton NJ Car Insurance
Some of the best techniques you can use to purchase reduced rates and affordable car insurance quote Clifton NJ include:
Opt for less car insurance coverage
There are different types of auto insurance policies covering the same thing but at an additional premium. Therefore, car owners in Clifton NJ should search for the best auto insurance companies, Clifton NJ offering less car insurance coverage.
Maintain clean driving record for several consecutive years
The most effective technique of reducing your premium rates is by maintaining a clean driving record. Drivers in Clifton NJ, who are proved guilty of driving under the influence, involved in an accident, or are mentioned in any traffic violation are considered to have bad driving records, thus resulting in the best auto insurance companies Clifton NJ increasing their premium rate.
Increase your deductible
A deductible is the number of money you pay before your best auto insurance company Clifton NJ compensates you in the event of car damage, car theft, or accident. Therefore, you should select a deductible since, according to the best auto insurance companies Clifton NJ, the higher your deductibles, the lower your yearly premium.
Ask about discounts
There are a lot of cheap car insurance discounts offered in Clifton NJ, for customers who:
- Combine auto insurance policies
- Buys who insure several vehicles with one policy
- With a clean driving history
- Pays six-monthly premium at a go.
Purchase A Vehicle That Is Cheap To Insure
Best auto insurance companies Clifton, NJ, considers your type of car before deciding the monthly or yearly premium rates. Since certain vehicles might be expensive to insure due to their make, year, and model, you should consider a cheap car to insure.
Good Drivers Car Insurance Discounts In Clifton NJ
Best auto insurance companies Clifton NJ, rewards drivers with the best driving records with plenty of discounts. Therefore, you should consult your best auto insurance company Clifton NJ for discounts available and if you qualify. Some of the discounts you should inquire if you are eligible to include:
- Multiple policies
- Good student
- Multiple cars
- Full pay
- Accident-free
- Anti-lock brake
- Homeownership
- Utility discount
- New car
- Homeownership
Car insurance Clifton NJ Questions And Answered
What does full coverage insurance cover?
Full coverage covers you and your car whenever you are involved in an accident. It includes a combination of comprehensive coverage and collision coverage.
What do I need to do if I can’t afford to pay for my vehicle’s deductible?
For at-fault drivers who cause damage to their vehicles but they do not damage other people’s property, they don’t have to file a claim. However, you should choose a low deductible to avoid such a situation.
What is the average car insurance rate in Clifton, New Jersey?
The average car insurance in New Jersey is $1,768
What types of coverages do I need?
You should choose the type of coverage for your vehicle according to your budget, the model of your car, discounts offered, and the legal requirements in Clifton NJ.
What is the minimum coverage required in Clifton NJ?
Your minimum policy in Clifton NJ includes $15,000 for injuries, $30,000 per accident, and $5,000 for property damage.
How much is car insurance typically for two vehicles in Clifton NJ?
The average cost insuring two vehicles in Clifton NJ, is $1,893
