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, your car’s registration, plus enough fees to pay the national debt of a small country.
Perhaps it would be better to find some way of getting cheap automobile insurance online in New Jersey that you can actually afford to buy. Obviously, anyone can get online these days and start comparing automobile insurance prices haphazardly on one of the many sites devoted to making price comparisons for car insurance. 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 of the things you can do to keep your insurance rates low. Such as the way you drive. The way you drive probably determines the price you pay for automobile insurance more than any other single factor. If you speed or drive recklessly and receive even one moving violation, you will not get the lowest price on your automobile insurance.
And if you are foolish enough to drive under the influence or while intoxicated and you are convicted of a DUI or a DWI, then 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 for car insurance. That’s simply a fact of life. However, if you can remain on your parents’ policy, you can save some cash, and if you’ll stay in school and maintain at least a “B” grade average, then 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 years old, ask your insurance agent if your company offers such a discount. Many people save a lot of money on their automobile insurance by simply driving their cars a lot less. These people are using public transportation for almost all of their “driving” needs and car pooling 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 every day cost less to insure. Drop collision and comprehensive coverage on older cars that no longer have any 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 own 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 that is specially designed to save you as much money as possible.
Then get online and compare the price of this “paper” policy you’ve put together on a minimum of at least 3 different websites that are designed to make automobile policy comparisons. Now all you have to do is get the cheapest automobile insurance policy quote you find, and your work is done. You have now gotten the cheapest automobile insurance available in the state of New Jersey.