Everyone knows that car insurance NJ style is among the highest in the country thanks to heavy traffic and high accident rates state wide. Many of the best carriers actually moved away because the cost of doing business became prohibitive. Things are changing for the better and driving in the garden state is getting easier but in this economy you still need all the help you can get. Here are five ways to save big money on your car insurance without sacrificing coverage to do it. Do not forget that auto insurance is required by law in New Jersey just as it is in most states.
Always comparison shop, thanks to the internet you can find websites that will do this for you. Compare the rates for the same coverage with at least 6 companies. You will be amazed at the price differences. Remember that if a company is paying big bucks to advertise they may be passing those costs on to you in your insurance premiums. Do not be afraid to go with a lesser-known company just check them out first with the state insurance commissioner to be sure they have a clean track record.
Go for multiple vehicle discounts or combined insurance discounts. Car insurance NJ style usually means your family has more than one vehicle. Put all your vehicles, including boats, recreational vehicles and motor homes with the same company for a substantial discount. Consider also using a company that will cover you for homeowners insurance, life insurance and health insurance, for a combo discount offered when one company handles all your insurance needs.
Ask for a higher deductible. If you have never had an accident or had just one, consider raising your deductible, which will automatically lower your monthly premium. This can save you major money over time if you seldom, if ever, file an insurance claim. Ask for age related discounts and safe driver discounts. Older drivers and drivers with excellent driving records frequently receive special discounted rates designed to keep their business and get additional business from family members. Always ask for any discounts or special rates you think you may qualify for.
Finally, remember that car insurance NJ style can be kept at a minimum if you are willing to take safe driving classes, sometimes offered at your local community college. These classes are worth spending the time and money for since insurance carriers will reward you with lower premiums and deep discounts. Responsible driving, educated driving and safe driving are all money in the bank. They tell any insurance company that they are dealing with a mature, concerned individual who takes every precaution to avoid accidents or risky situations behind the wheel. Oh, and there is one more bonus besides saving money on your car insurance. Safe drivers save lives.
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