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