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