How to Get Affordable Car Insurance in New Jersey

How to Get Affordable Car Insurance in New Jersey
By Larry Nez

Don't make the mistake of driving a car in New Jersey if you don't have car insurance. The penalties if you are caught are severe and will cost you a great deal of money.

Rather than risk driving without car insurance, why not take a few minutes and put together a car insurance policy that is designed from the ground up to save you money each month - and once you've done that then you can go online and compare the price of your "super" policy at every insurance company offering car insurance here in New Jersey so that you can find the best price possible.

Let's start with your driving record. How you drive affects how much you pay for your insurance. If you keep a clean driving record - no speeding tickets, no moving violations and certainly no DUI or DWI convictions - then you can save money on your insurance. But if your driving record is not spotless you can expect to pay considerably more for insurance every month.

Are you under 25? If so you are automatically placed in a higher risk category and you pay more for your car insurance. If you can purchase your insurance as part of your parents' policy it will save you some money and if you stay in school and maintain at least a 3.0 grade point average then you will qualify for an additional 5% Good Student Discount each month.

Drivers who have passed their 55th birthday may notice their rates rising. You can knock 10% off your monthly bill if you take and pass a special Driver's Refresher course. Not all insurance companies offer this discount so check with your agent to see if yours does.

Do you park your car in a garage at night rather than on the street? If so make sure that your agent is aware of this as you can get a Garage Discount each month.

Consider using public transportation as much as possible and leave your car in your garage. If you can knock your driving down to 500 miles or fewer each month you can qualify for a Low Mileage Discount that can save you some real money on your insurance.

When was the last time you looked at your deductible? You need to think long and hard about the size of your deductible since this is the amount of money you will have to pay out of your own pocket of you should ever have a claim. But the fact still remains that the larger your deductible then the lower your monthly premium payment is going to be.

Now you have enough information to put together a car insurance policy that is right for you and which saves you as much money as possible each month. So get online and compare how much your "super" policy will cost you from every insurance company operating in New Jersey.

Keep in mind that no website compares every insurance company, so take your time and make your comparisons on at least 3 different sites. Once you've made those comparisons then you'll know for sure which company will give you the best price and you can smile all the way to the bank knowing that you have really gotten the most affordable car insurance in New Jersey.

My recommended sites here:

Affordable Car Insurance in New Jersey
More places for cheap insurance quotes and great information

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