UPDATED: Mar 13, 2020
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Cheap Car Insurance in Clifton, NJ
If you want some cheap auto insurance in Clifton, NJ, then you’re in the right place. The resources we have here on our site are unparalleled when it comes to helping people find a better deal on their car insurance.
We have tons of information about providers near you who want to offer an affordable price, a comprehensive policy, and the best possible customer service to people like you. We can help you find the right insurance company in a matter of minutes, especially for residents of Clifton.
Clifton, NJ, also known as “The City that Cares”, was incorporated as a municipality back in 1917. It was home to the home furnishings retailer Linens ‘n Things headquarters before the company went bankrupt in 2009.
But Rutt’s Hut, a well-known hot dog restaurant, has been around since 1928. The city has also seen some serious Hollywood action, with many episodes of The Sopranos and most of the scenes in Donnie Brasco having been filmed in town.
- Fun fact: Dude, we get it, you Uber! And we get it especially in Clifton because it’s #10 on the list of “Top 101 cities with largest percentage of males in transportation occupations”. You can learn even more fun facts about Clifton without even leaving home.
Auto Insurance Coverage Requirements in New Jersey
Driving legally in Clifton requires:
|Bodily Injury Liability||15,000/30,000||100,000/300,000|
|Property Damage Liability||5,000||50,000|
|Uninsured Motorist Bodily Injury||15,000/30,000||15,000/30,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
If you aren’t worried about how much it may cost to repair or replace your vehicle in the event of a serious accident, then you need to pay special attention to your liability coverage.
Taking care of your own property damage or medical expenses may not matter that much to you, but if the accident is even partially your fault, your liability coverage is what protects you from paying for the medical expenses and property damage done to the injured party.
You can even be sued and have your assets – such as your home – taken away if you don’t have enough liability coverage.
If you want to pay less than $160 a month for your car insurance policy (which is about what the average New Jersey driver is playing right now), then we would love to help.
Most of the Clifton residents who shop around with us have saved at least $75 a month or more thanks to our free, accurate quote process. And it only takes a matter of minutes to complete!
Hanover and State Farm are a little more expensive for Clifton drivers, while Plymouth Rock and Liberty Mutual seem to be charging lower rates at the moment. But what else are those former companies offering that makes them think they deserve to charge more than the latter?
After all, the value you get from your car insurance policy isn’t all about what comes after the dollar sign. There are other advantages and benefits which may behoove you to take advantage of, even if you have to pay a few extra dollars a month for them.
New Jersey auto insurance companies aren’t that different then most providers in other states. They have to make sure they balance the rates they charge their customers with their bottom line so that they can have plenty of funds on hand to pay out claims.
Charge too little, and they go out of business. Charge too much, and they lose business to their more affordable competitors. So how do they know how much to charge you in the first place? It actually boils down to some very complicated math.
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Major Car Insurance Factors in Clifton
Car insurance companies have to predict how likely you are to get into an accident – and, by extension, how expensive it will be for them to pay out your claims.
Drivers who have a lower risk profile will almost always get a more affordable rate than a driver who has a higher likelihood of getting into an accident. And the variables which insurance companies use to determine your risk profile include:
Your Zip Code
The precise zip code in which you live gives your insurance company a ton of information about whether or not you are likely to get into an accident. Things such as population density, rush hour traffic statistics, and even civil engineering data about road congestion let your insurance company know how high your risk is.
Property values and average income levels can also tell them things such as the likelihood of theft and/or vandalism which your vehicle may be vulnerable to. The population of Clifton is 85,847 with an average household income of $77,923.
One bit of good news about Clifton for drivers who are looking for more affordable auto insurance rates: your likelihood of getting into a serious or fatal accident is much lower.
Accident statistics are a big factor which auto insurance companies consider because the more frequently they happened in your area, the more likely they are to happen to you. Living in a city with lower rates of serious accidents helps put your provider at ease and can inspire them to give you a lower rate.
Auto Thefts in Clifton
Rates of auto theft in Clifton are definitely lower when you compare them to larger, major cities around the country.
However, they are relatively high when compared to similar cities based on population density and crime rates. But did you know you can take proactive measures to protect your vehicle and give your car insurance company peace of mind? Installing a passive alarm system on your vehicle is a great start.
You can also ask your auto insurance agent if they have any other proactive suggestions which can help you shave off a percentage or two off your total monthly premium amount. There were 115 auto thefts in Clifton according to the most recent statistical data.
Your Credit Score
How good is your credit? If you aren’t sure, then you’d better find out before you start shopping around for a new auto insurance policy. There are 47 states in the US which allow car insurance companies to consider your credit when figuring out how much to charge you for your premiums – and New Jersey is no exception.
The higher your credit score, the better the price you get, as you can see in the chart below. The lower the credit score, the less responsible and less likely you are to pay your bills in the eyes of your insurance company.
They will charge you more in order to mitigate this risk to their bottom line.
If you are under the age of 25 and you are struggling to find an affordable rate for your auto insurance coverage, we have some bad news: it’s going to continue to be a struggle for the next several years.
Auto insurance companies believe – based statistics – that drivers under the age of 25 are more likely to get into an accident, and those accidents are more likely to be expensive. So they try to protect their financial stability by charging expensive insurance rates to younger motorists.
If you are still in high school or college, do your best to get good grades because many insurance companies offer Good Student discounts. Make sure you get a good drivers education course too as this can help further reduce your premiums.
Lastly, consider bundling yourself onto your parents’ family policy for maximum discounts.
Your Driving Record
The safer you are behind the wheel, the less likely you are to get into an accident. And your accident history (or lack thereof) is one of the most obvious ways your insurance company can determine this.
But don’t worry – if you’re pushing 40, you don’t need to worry about that fender-bender you had when you were 17.
As a matter of fact, insurance companies only evaluate your most recent 3 to 5 years of driving history. Anything older than that, won’t count against you. And if you have a squeaky-clean driving record, then that’s even better.
Most of the claims your insurance company will have to pay out will likely revolve around how much it costs to repair or replace your vehicle.
So they need to know what type of vehicle you drive, how old it is, how new it was when you bought it, how many miles it has, and any other relevant details which can help them calculate what they should expect to pay.
Obviously, younger vehicles which were purchased brand-new or leased vehicles will have higher rates associated with them because they need extra coverage such as gap loss, collision, comprehensive, and other such options.
Minor Car Insurance Factors in Clifton
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
There are many reasons to want to get married, and getting a better deal on your auto insurance is yet another perk to throw into the mix.
Many couples find that if they bundle their household auto insurance policy under the same provider, they can save anywhere from 10 percent to 15 percent off their monthly premium.
But even if you don’t bundle together, you can save an extra few dollars a month by virtue of having that ring on your finger.
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Pop quiz: are men or women more aggressive drivers? The more aggressive of a driver you are, the more likely you are to get into an accident. That’s just the karmic price you pay for being inconsiderate.
Whether or not you are more likely to be that way based on gender depends on the perspective of your car insurance company.
Some may specifically single out one gender and charge them more based on their aggressive tendencies. Others may not have any data to back up these assumptions and instead charge men and women similar rates.
Your Driving Distance to Work
The bad news for Clifton drivers is that average commute times from home to work can be as long as 25 minutes – which means more time spent on the road during rush hour traffic, which means the higher likelihood of an accident, which means higher monthly premiums.
But the good news is that fewer of your fellow residents will be on the road with you at that time.
Only 49 percent of Clifton residents drive their own vehicle alone to work every day. 15 percent will choose alternate types of public transportation such as carpooling or even riding the bus.
Thanks to the development of recent technologies, you can end up saving a great deal on your monthly insurance premiums by driving fewer miles and driving during off-peak hours.
Several different companies advertise an average of 30 percent savings for drivers who can significantly lower their mileage and who stay off the road during rush hour traffic.
All you have to do is plug in a device or install an app on your phone which tracks your mileage and your driving time to prove to your provider that you are a safer driver.
Your Coverage and Deductibles
The relationship between your deductible and your monthly premium is naturally inverse. This means that if one is high, the other will be low.
High deductibles lower your monthly rate, but they make it very difficult for you to get back on the road quickly if you can’t afford to pay it.
And having a lower deductible will cost you more money in the long run if you never get into an accent – but if you do have a wreck, it can be a big relief to know that getting back on the road will only be a minimal expense.
Education in Clifton, NJ
More than a quarter of Clifton, NJ residents didn’t pursue their education past the high school level. Another 22%, however, went on to earn a bachelor’s degree. And guess which group is getting the lower rate on their car insurance right now?
If you guessed the group with college degrees, you guessed correctly. This passive discount usually slips under the radar, but it’s definitely worth knowing about if you want to save as much money as possible on your policy.
You have a handful of options in Clifton if you want to get a higher education without leaving the city limits. There’s the Dover Business College, the Fox Institute of Business-Clifton, and the Capri Institute of Hair Design-Clifton, to name a few.
But if private, for-profit institutions aren’t for you, you could try checking out Montclair State University or Berkeley College-Woodland Park, which are all a short commute away.
If you feel like your insurance company isn’t giving you great customer service, if they’ve disappointed you during the claims process before, or if you suspect they’re charging you way too much for your car insurance, you deserve to shop around for a better deal.
And we want to help you do exactly that.
Just give us your zip code and we can get you a handful of fast and accurate quotes that can help start saving you money today. It couldn’t be easier.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.