How to Save Money and Get Discount Car Insurance in New Jersey
Purchasing auto insurance in New Jersey is expensive. According to Insurance.com, New Jersey is the second most expensive state for auto insurance. One reason for the high insurance costs may be associated with the fact that New Jersey has the highest population density out of every state in the nation. With the cost of insurance premiums consistently rising, it behooves all New Jersey drivers to find discounts in car insurance that will save them money.
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Instructions
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Review the choices you have for a New Jersey auto policy. Decide on the types of insurance you want and/or need. Determine the limits you want for each part of the policy.
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Make a list of all the auto insurance companies that sell policies to New Jersey drivers. You can search online and look in the phone book.
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List the safety features of your car. Having anti-lock brakes and multiple airbags can lower the premium on a New Jersey car insurance policy. The safer your car is, the less chance of a serious accident. A car alarm and having the vehicle identification number etched onto the windows will create less risk for theft and can lower the policy as well.
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Take a defensive drivers class. These courses can be taken online or in a classroom. They help New Jersey drivers reduce the chances of being involved in a car accident by teaching accident preventing techniques. Taking a defensive drivers class may save up to 15 percent on a New Jersey auto policy.
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Purchase your home insurance and life insurance from the same company (if applicable). This is known as an "umbrella" policy and can save even more money on your auto policy.
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Get quotes from each insurance company on the list you have made. When asking for a quote, mention all the possible discounts you may qualify for and ask if their are any other discounts which you may qualify for.
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Stay with the same insurance company. New Jersey insurers such as Geico offer premium discounts for long-term clients. A discount is applied to the policy for every year of insurance the policy holder accumulates.
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Compare all the quotes from your list and purchase the least expensive auto insurance policy.
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Tips & Warnings
All autos that are registered in New Jersey require "liability", PIP, and Uninsured motorist coverage
References
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