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New Jersey Auto Insurance Articles
For most NJ residents, New Jersey auto
insurance is a the single largest insurance expense after health insurance.
Rates are high and are forever climbing, at least it seems that way. You can
save money on your New Jersey car insurance premiums by following these easy to
implement steps.
- Shop Around - Yes, it pays to
shop and compare. Regulatory changes at the New Jersey state level may have
encouraged new companies to jump into the market, thereby increasing
competition and reducing rates for consumers.
- Raise Your Deductible - A $250
deductible sounds wise until you learn that the cost for having a deductible
at this threshold can drive your rates through the roof. Consider a
deductible as high as $1000 to save on premiums. You can always fix minor
mishaps on your own.
- Drop Collision - If your automobile is
worth less than two or three thousand dollars, consider dropping collision
altogether. Sure, you will get nothing from your New Jersey car insurer if
your car is totaled, but the savings you realize by dropping collision can
be used as a down payment for your next car.
- Look For Discounts - If your car has
certain safety features, make sure that your New Jersey auto insurer is
aware of this. Older cars, for the most part, do not have air bags but if
you have a model that has airbags, you will save money on your New Jersey
auto insurance.
- Combine Policies - Purchase your
homeowners, life and New Jersey auto insurance policies from the same broker
and you may save on your premiums. Some insurance companies reward
policyholders if they one-stop purchase all of their insurance needs through
one company.
- Consider Before You Buy - The Mercedes
500 may be your ideal car, but it could also sharply raise your insurance
rates. Maybe a less sporty model would be ideal.
- Drivers Education Courses - You
may have taken a drivers education course and your insurance company has not
factored that in when determining your premium. Let them know that you are a
safe driver.
- Deleted Points - If you had moving
violations that were reported to your insurance company, make sure that your
insurer adjusts your premium downward if several years have gone by since
the occurrence. You could be paying a premium higher than you deserve.
- Check Your Policy - If the insurer has
the wrong address, town or zip code on your policy you could find yourself
paying more than you should.
- Move - If you are planning to move
anyway, there are areas where the premiums are lower becuase it is safer -
less cars stolen, etc...
Reducing your New Jersey car insurance costs should
not be an impossible feat. By following these steps you should realize some
savings the next time your policy comes up for review.
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