Car Insurance in Union City, NJ
Don't leave home without your morning coffee and great car insurance in Union City.
Union City is an elegant, attractive and highly sought-after place to live. It also happens to be one of the most densely populated parts of the United States, with about 70,000 people in a little over one square mile. Instead of laidback residential streets, busy thoroughfares make up the city, such as Park Avenue, Summit Avenue and Palisade Avenue. With so much traffic, full coverage for car insurance in Union City is a necessity, not a luxury.
Almost 40% of Union City workers take public transit to work, so you may question if car insurance is that important. For the 45% of workers who drive or carpool, the answer is a resounding "Yes!" There are just too many chances for accidents to happen, especially considering that many commutes require between 35 and 90 minutes of driving each way. The majority of Union City households own one or two vehicles, making high-quality insurance even more vital.
A big draw of living in Union City is its nearly ideal distance from Midtown Manhattan and everything the City has to offer, from Madison Square Garden to countless entertainment options. Close to the west end of the Lincoln Tunnel and Hoboken, NJ, Union City residents can reach the harbor easily.
This proximity means that heavy traffic is a fact of life. Traveling the four miles to Bryant Park or Times Square can take 20 minutes on a good day. Reaching Jersey City is a little faster, but traffic jams still happen on Hwy 9.
Vehicle accidents in Union City can cause serious injuries, and some are fatal. Route 495 sees many car accidents. Some of these crashes involve buses. garbage trucks, cyclists and motorcycles. Basic car insurance may not cover all of these situations. VIU by HUB makes it easy to compare coverage for car insurance in Union City.
On average, Union City residents pay as much as $7,000 a year for full coverage car insurance. Minimum coverage costs about $2,600 a year. These numbers are higher than in other parts of New Jersey, where the average is about $6,000 a year for full coverage. In much of the U.S., full-coverage policies only cost about $2,000 annually.
The higher premiums in Union City are partly due to the high risk of car accidents. Another difference is that uninsured motorist coverage is a requirement in New Jersey, not optional like in many other parts of the country. It's a good investment, helping to cover vehicle repairs and medical expenses if the at-fault driver doesn't have adequate insurance.
Union City residents can use VIU by HUB to save money by carefully selecting the amount and type of coverage they need. For example, people who leave their cars in a parking garage may not need insurance against hail damage. Prioritizing collision and theft insurance may be more important.
VIU by HUB shows many types of policies for car insurance in Union City, providing tools to compare different insurers. It's also important to look at the coverage limits offered for personal injury coverage, comprehensive insurance, collision policies and electronics insurance.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
