Research Auto Insurance Policy Features
Get competitive quotes for up to 5 companies
including Progressive, Mercury, IFA,
Palisades, Travelers, Skylands & NJPAIP.
To get your best rate you need to have constant coverage, without a lapse.
If you have had a lapse in coverage expect a rate increase. Insurers often
charge slightly higher premiums for drivers that do not maintain an in force
policy. If you have been denied coverage, been cancelled or non renewed
coverage is available to you through the NJPAIP (New Jersey Personal Automobile
Insurance Plan). This is also known as the NJ high risk or NJ assigned risk
car insurance program. If this is the case go to
www.njpaip.org for help and quotes.
Your town may affect your rates!
Urban areas such as North Jersey are much more expensive than less populated rural sections like South Jersey.
Some additional factors affecting your auto insurance rates include time and efficiency of emergency response and law enforcement, local highway and traffic conditions and the quality of local medical treatment services. Insurers even factor in the litigation rates in a given area, how many lawsuits are filed, go to trial, are settled out of court, and for how much money.
How could I lower my overall rate?
NJ Car Insurance Companies discount their rates in order to encourage good driving practices and the use of safety and security precautions. Depending on the insurance company, you can often lower your rates from 5 to 55 percent. When you buy a better safety equipped vehicle you may pay more however you will receive a safety discount because you and your passengers are better protected. For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority..
Safety Features Anti-lock brakes, air bags and passive restraint systems i.e., automatic seat belts.
Defensive Driving Clean violation record, driver's education courses for teenagers and defensive driving or accident prevention courses for adults insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive disabling devices.
Changing The Driving Habits Try commuting by public transit, using a company vehicle for work-related travel and car-pooling.
Formal Agreements Not to Drink and Drive The availability of a discount for signing such an agreement varies among insurers, however is a powerful idea that works.
Buy New Jersey home insurance and NJ auto insurance from one company. If you own a home and an automobile and you are insured by two different companies, check into the cost of carrying both policies by one insurer. Your NJ insurance agent or producer can give you guidance as to which insurers offer discounts. This will always offer your the best buy, so put it in your corner when shopping for rates
Save money by requesting higher deductibles, which is the amount of money you pay out of pocket before you make a claim. Increasing your deductibles on collision and comprehensive coverage from $500 to $750, or even $1,000, will bring your rates down. Moreover, you may not need collision and comprehensive coverage if you drive an older car. Ask your agent or direct writing customer service professional which discounts are available to you.
The more people you allow to drive your vehicle on a regular basis, the greater the chances of your vehicle being in an accident. Teenagers are especially expensive to insure because they are the least experienced drivers. A driver's-ed course can help ease the burden of insurance costs since it teaches your teenager defensive driving techniques. If your child's high school does not offer drivers education, try to find one offered by another school or a private firm in the area. After all, the cost of driver's-ed could be cheaper than the extra cost of your insurance. Many insurers offer "good student" discounts as well. An adult's driving experience can also affect your rates significantly. Don't assume that every adult you know has been driving since age 16 or 17 or is a competent driver with a clean driving or insurance record. Again, taking a defensive driving course is a good way for adults to prove they are also responsible drivers, thus lowering their risk and their insurance premium rates.