| If you want to drive a car on any public | | | | |
| roadway in New Jersey you'd better have car | | | | Can you add any safety features to your car? |
| insurance. If you're caught driving without | | | | Ask your agent if there is any reduction in |
| insurance the fines are horrendous and the | | | | your rates if you purchase a simple steering |
| hassles you are put through later on will | | | | wheel locking device. Installing an |
| having you pulling your hair out. In other | | | | electronic anti-theft device that shuts off |
| words, it's simply not worth it to drive | | | | your fuel pump unless a special code is |
| without insurance in New Jersey. | | | | entered is relatively simple and inexpensive |
| | | | and can save you money month after month. |
| And you shouldn't have to. If money is the | | | | |
| problem there are several simple things you | | | | If you're under 25 stay in school and keep |
| can do to reduce the cost of your automobile | | | | your grades up. If you maintain at least a |
| insurance. | | | | 3.0 grade point average you should qualify |
| | | | for a Good Student Discount, saving you at |
| Let's start with your car itself. Not all | | | | least 5% on your monthly insurance premium. |
| cars are created equal in the eyes of your | | | | |
| insurance company. Some are more likely to be | | | | If you consolidate all of your insurance |
| stolen than others and some are more | | | | policies (homeowner's, life, health etc.) |
| expensive to repair than others. If you | | | | under one insurance company you should |
| really want to get the best rates on car | | | | receive a hefty Multi-Policy Discount on your |
| insurance in New Jersey it will pay you to | | | | car insurance. Also, if you have had your |
| ask your insurance agent for a list of the | | | | policy with the same company for 5 years or |
| least expensive cars to insure before you | | | | more you should be receiving a special Long |
| ever purchase a vehicle. | | | | Term Discount. Make certain you are receiving |
| | | | it. |
| Probably the most important thing you can do | | | | |
| to keep you car insurance rates as low as | | | | One of the most common ways that people |
| possible to simply to always drive safely and | | | | reduce the cost of their car insurance is to |
| within the law. Don't speed, and don't drive | | | | increase the size of their deductible. You |
| when drinking or impaired in any way. Even | | | | need to be honest with yourself when setting |
| one speeding ticket or other moving violation | | | | your deductible and seriously consider how |
| and your car insurance rates will begin to | | | | much you can actually afford to pay out of |
| soar. | | | | your own pocket anytime you have a claim - |
| | | | but the more you can afford to pay yourself, |
| If you are convicted of a DUI or a DWI your | | | | the lower your monthly premium will be. |
| rates will skyrocket and if you receive a | | | | |
| second conviction for either offense you'll | | | | So now you have enough information to create |
| be stuck treading water in the high-risk | | | | a car insurance policy on paper which is |
| insurance pool with little hope of finding | | | | designed to save you money from the start. To |
| insurance at all. | | | | save even more money I want you to go online |
| | | | and find at least 3 different websites that |
| If you can possibly reduce the amount you | | | | allow you to compare prices among the |
| drive to less than 500 miles per month you | | | | different insurance companies. |
| can greatly reduce your car insurance costs. | | | | |
| Many people achieve this by using public | | | | Take the time to compare the cost of your |
| transportation whenever possible and only use | | | | paper policy on at least 3 different websites |
| their cars for emergencies and special | | | | - and then pick the best price you find. Once |
| occasions. | | | | you've done that you will know for sure that |
| | | | you have gotten the best rates on car |
| Do you have access to a garage where your car | | | | insurance in New Jersey and that you can look |
| can be parked at night? If so let your | | | | forward to saving money on your car insurance |
| insurance agent know and you could save on | | | | month after month. |
| your monthly bill. | | | | |