| The best way to save money and get discount | | | | |
| car insurance in New Jersey is to design a | | | | Do you have more than one insurance policy |
| car insurance policy that's right for you and | | | | with the same insurance company? Maybe you |
| then see how much that policy would cost from | | | | have a life insurance policy, or a |
| every insurance company operating in New | | | | homeowner's policy with the same company? If |
| Jersey. | | | | so you should be eligible for a Multi-Policy |
| | | | Discount on your car insurance. |
| In order to do this let's start by looking at | | | | |
| everything you can do to build a policy from | | | | Have you been insured with the same insurance |
| the ground up that will save you as much | | | | company for at least 5 years? If so ask for a |
| money as possible. | | | | Long-Term-Policy Discount. |
| | | | |
| The minimum car insurance you are required to | | | | Are you 55 or older? If so see if you qualify |
| carry in New Jersey is Liability, Personal | | | | to take a special driver's refresher course. |
| Injury Protection (PIP) and Uninsured | | | | If you qualify and you pass the test you can |
| Motorist (UM) coverage. | | | | shave about 10% off your car insurance bill |
| | | | month after month! |
| None of these types of insurance will repair | | | | |
| or replace your vehicle if you are in an | | | | Are you driving an old clunker of a car with |
| accident, especially if you are at fault for | | | | little or no Kelly Blue Book value? If that's |
| the accident. If you want to protect your own | | | | the case and you are still paying for |
| vehicle then in addition to the three types | | | | collision or comprehensive insurance you are |
| of insurance that I just mentioned, you will | | | | simply throwing your premium dollars down the |
| also need to buy Collision insurance as well | | | | drain. |
| as Comprehensive insurance. | | | | |
| | | | Along those same lines remember that each |
| Just so you know, driving without insurance | | | | year that passes your vehicle loses value |
| in New Jersey can land you in a lot of hot | | | | according to the Kelly Blue Book. Therefore |
| water. At a minimum you may be subjected to | | | | you should lower the amount (and therefore |
| fines, community service, license suspension | | | | the cost) of your comprehensive and collision |
| and when you do buy insurance so that you can | | | | insurance each year - talk to your agent |
| legally drive in New Jersey you can count on | | | | about how much you could save by simply doing |
| what is referred to as an "insurance | | | | this. |
| surcharge" - in other words, yet another | | | | |
| fine. | | | | How large of a deductible can you afford? |
| | | | Think carefully before you answer. The higher |
| So let's start designing a policy that will | | | | your deductible the lower your monthly car |
| cost you as little as possible while still | | | | insurance premium, but keep in mind that |
| giving you the coverage you need. | | | | however much you set your deductible for, |
| | | | that is the amount of money you are going to |
| The first thing you need to do is to keep | | | | have to pull out of your own wallet any time |
| your driving record clean. This means you do | | | | you have a claim. Make sure you can afford |
| not have any speeding tickets or other moving | | | | your deductible. |
| violations and that you most certainly do not | | | | |
| have any convictions for Driving Under the | | | | O.K., now you've got enough information to |
| Influence (DUI) or for Driving While | | | | create the perfect, low cost car insurance |
| Intoxicated (DWI). Even a speeding ticket | | | | policy. Now it's time to get online and find |
| will prevent you from getting the best rates | | | | at least 3 different websites that let you |
| on discount car insurance, but a DWI or a DUI | | | | compare prices on policies between different |
| will send your rates to the moon. | | | | insurance companies. |
| | | | |
| If you are under 25 years old stay in school | | | | Each site wants you to think that it is |
| and keep your grades up. If you can maintain | | | | comparing prices at every single insurance |
| at least a "B" average then you can save | | | | company, but that is simply not the case. If |
| about 5% on your monthly car insurance | | | | you are really serious and want to genuinely |
| premium. | | | | save money and get discount car insurance in |
| | | | New Jersey then you're going to have to take |
| Can you keep your car in a garage at night? | | | | a few extra minutes and compare the price of |
| If so there's another big savings on your | | | | your super policy on at least 3 different |
| insurance. | | | | websites. |
| | | | |
| Do you drive less than 500 miles each month | | | | Then simply pick the best price you can find |
| on average? If so there's no reason for you | | | | and you're done! You've saved money and |
| to pay for insurance while your car is just | | | | gotten the very best deal you could on car |
| sitting in your garage - you should be | | | | insurance here in New Jersey. |
| eligible for a Low-Mileage Discount. | | | | Congratulations! |