How To Get The Best Rates On Automobile Insurance In New Jersey

Posted by Nick Niesen on October 29th, 2010

Driving without automobile insurance in New Jersey is against the law. Not only that, if you're caught it's extremely expensive and time-consuming.

Rather than risk the time and expense associated with driving illegally without insurance, why not find a way instead to get the best rates on automobile insurance in New Jersey and sleep well at night?

Fortunately there are several quick and easy things you can do that will help to keep the cost of your automobile insurance down where you can more easily afford it.

Did you know that if you can keep your car in a garage at night that you can save on your automobile insurance each and every month?

Did you know that if you purchase a simple steering wheel "club" you can also save money from many insurance companies?

Did you know that many people are now using public transportation as much as possible and only using their cars for emergencies and special occasions? If you can keep your driving under 500 miles a month your insurance company should give you a Low Mileage Discount on your insurance.

Probably the most important thing you can do if you're serious about keeping your automobile insurance rates their lowest is simply to always drive safely and legally. All it takes is one speeding ticket or one ticket for any moving violation and your insurance rates will head straight up.

If you are convicted of Driving Under the Influence (DUI) or of Driving While Intoxicated (DWI) you can kiss the whole idea of low automobile insurance rates good-bye - and if you receive a second DWI or DUI conviction you'll be dogpaddling in the deep end of the high-risk insurance pool with no assurance that you can find automobile insurance at any price.

Newer drivers under 25 are automatically placed in a high-risk insurance category. You can help keep your rates under control by staying in school and keeping your grades up. Maintaining a "B" grade average will earn you a 5% Good Student Discount.

If you already own other insurance policies, such as a life insurance policy or a homeowner's policy or a health insurance policy you can save a fair amount on your automobile insurance if all of your policies are purchased from the same insurance company.

Also, if you've had an automobile policy with the same company for at least 5 years it's time for you to ask your agent to give you a Long Term Policy Discount on your premium every month.

Then, of course, there's your deductible. The higher your deductible the lower your insurance premium is going to be. But be careful when you set your deductible because the amount you set represents the cash you will have to take out of your own pocket anytime you have a claim.

Now it's time to take what you've learned in this article and put together an automobile insurance policy that will save you money from day one - and then we're going to go one better and jump online where we're going to find the very best deal on your automobile insurance.

Find at least 3 websites that are dedicated to finding you the very best price possible on automobile insurance here in New Jersey and then compare the cost of your dream policy on at least 3 different comparison websites.

By making your price comparisons on at least 3 different websites you can feel confident that you will be seeing the prices of all the different car insurance companies operating in New Jersey.

Now all you have to do is pick the best price and you're done! You've now gotten the best rates on automobile insurance in New Jersey and you're guaranteed to save as much money as possible month after month. Congratulations!