How To Save Money And Get Discount Automobile Insurance In New Jersey
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How to Save Money and Get Discount Automobile Insurance in New Jersey
Summary:
Everyone wants to save on automobile insurance, and luckily, there are several straightforward steps you can take to secure discounts in New Jersey.
Focus on Your Driving Habits
Your driving behavior significantly impacts your insurance costs. Always aim to drive safely and legally. Your driving record plays a major role in determining your insurance rates. Even a single speeding ticket can affect the cost of your premiums. If you're convicted of a DUI or DWI, expect higher rates for at least three years. A second offense could severely limit your insurance options.
Maximizing Discounts
Here's how to build a cost-efficient insurance package:
- Young Drivers: If you're under 25, you'll face higher rates, but there are ways to reduce them. Consider being added to your parents' policy for a lower rate. Also, maintain good grades. A "B" average can earn you a Good Student Discount of around 5%.
- Garage Parking: If you park your car in a garage overnight, inform your agent to potentially qualify for a discount.
- Drivers Over 55: Rates can increase as you age, but taking a Driver's Refresher Course can help you save up to 10% on premiums monthly, if offered by your insurer.
- Low Mileage: Driving less than 500 miles per month may qualify you for a Low Mileage Discount. Using public transport when possible can help achieve this.
- Bundling Policies: Having multiple policies with the same insurer can earn you a Multi-Policy Discount.
- Loyalty Discounts: Staying with the same insurance company for over five years could qualify you for a Long-Term Discount.
- Older Cars: If your car has little to no Kelly Blue Book value, consider dropping collision and comprehensive coverage to save money.
Choosing the Right Deductible
Determine what deductible you can afford. The deductible is the amount you'll pay out of pocket when you file a claim. A higher deductible usually means lower monthly premiums, so choose wisely based on your financial situation.
Comparing Policies Online
After identifying potential savings, compare insurance policies online. Use at least three comparison websites to ensure you find the best rate for your needs. This way, you can confidently choose a policy that offers substantial savings and discounts on automobile insurance in New Jersey.
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