Anyone who drives a vehicle on a public roadway in New Jersey has to have automobile insurance unless they wish to run the risk of severe and costly penalties. So, rather than drive uninsured and risk the suspension of your license and your car’s registration, plus enough fees to pay the national debt of a small country.
Perhaps it would be better to find cheap automobile insurance online in New Jersey that you can afford to buy. Anyone can get online these days and start comparing automobile insurance prices haphazardly on one of the many sites devoted to comparing car insurance prices. But unless you design a “paper” policy ahead of time that will save you the most money possible, then all of your price comparisons are somewhat meaningless.
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Let’s start with some things you can do to keep your insurance rates low. Such as the way you drive. How you drive probably determines the price you pay for automobile insurance more than any other factor. If you speed or drive recklessly and receive even one moving violation, you will not get the lowest price on your automobile insurance.
Suppose you are foolish enough to drive under the influence or while intoxicated, and you are convicted of a DUI or a DWI. In that case, you can forget all about reasonable automobile insurance rates for a minimum of 3 years. If you receive a second conviction for DWI or DUI, you won’t be seeing low automobile insurance rates until you’re a very old driver.
If you’re under 25 years of age, you will pay higher rates. That’s simply a fact of life. However, if you can remain on your parent’s policy, you can save some cash, and if you stay in school and maintain at least a “B” grade average, you can save another 5% every month through a Good Student Discount.
Older drivers can get a similar break if they take and pass a special driver’s refresher course. If you’re at least 55, ask your insurance agent if your company offers such a discount. Many people save much money on their automobile insurance by driving much less. These people use public transportation for almost all their “driving” needs, such as carpooling to work and letting their car sit in their garage unless they need it for something special. If you drive less than 500 miles per month, talk to your agent about getting a low-mileage discount.
If you have retired from work, tell your agent. Cars that are not driven to work and back daily cost less to insure. Drop collision and comprehensive coverage on older vehicles no longer have Kelly Blue Book value. If your car has no real value, your insurance company won’t give you anything for it anyway, even if you continue wasting your money on collision and comprehensive insurance.
How large of a deductible can you afford? Take your time answering this question because whatever number you come up with is an amount you will have to pull out of your pocket anytime you have a claim – but the larger your deductible, the smaller your monthly premium. All right, now it’s time for you to take what you’ve learned from this article and create a “paper” policy to save you as much money as possible.
Then, get online and compare the price of this “paper” policy you’ve put together on at least three different websites designed to make automobile policy comparisons. You have to get the cheapest automobile insurance policy quote, and your work is done. You have now gotten the most affordable automobile insurance available in New Jersey.
