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9 Insider Tips to Get Cheap Car Insurance in New Jersey

New Jersey car insurance is mandatory. Each New Jersey driver has many choices when it comes to purchasing New Jersey cheap car insurance. Each choice in some way affects the cost of the insurance policy and with that the amount that you spend on this matter. In order to be certain that you don’t spend too much on your car insurance there are few useful tips that you need to consider. Use them and you will surely save some money on your car insurance. Follow these nine tips on how to save on your car insurance policy cost.

1. PIP deductible and limits

Most standard car insurance policies have a personal injury protection (PIP) limit of $250.000 and bring a deductible of $250. A great deal of saving can be achieved if you go for one of the lower PIP limits of $15.000, $50.000, $75.000 or $150.000 and/or go for deductible of $500, $1,000, $2,000 or $2,500.

2. Add the spouse as a named driver to your car insurance policy

Nowadays, plenty of New Jersey car insurance companies give discounts in that case. They see marriage as a positive signal in terms of stability and as a result they give big discounts. That alone should give you around 15% discount on your policy.

3. Install an alarm system on your car

Just having an alarm system on your car can mean from 5% to 7% discount on your car insurance policy.

4. Lower your annual mileage

Most of the times insurance companies assume that you will do at least 12.000 miles per year and base their quotes on that statistical number. Calculate how many miles you do per year and if it’s less than that you can ask for additional discount on your policy.

5. Limitation on lawsuit options

Limited right to sue and you can significantly reduce your cost. The downside is that you will limit your suits for suffering and pain and you will be able to sue only in case of permanent injury or death.

6. Defensive driving

According to the New Jersey laws insurers are obligated to offer discounts to drivers who have completed the Defensive driving course which is approved by the New Jersey motor vehicle commission.

7. Be a good student

Many car insurance companies offer discounts for family members attending school away from home or student drivers who maintain B or higher grade point average.

8. Car related health insurer options

This is something that your car insurance company won`t tell you unless you ask for it. You can save top dollars if you choose your health care insurer as primary in case of car accident-related injuries. However, you need to check this first with your care insurer before doing so, make sure they are fine with that

9. Get as many quotes as possible

The best way to get the lowest rates on your car insurance is by getting as many quotes as possible. The easiest and fastest way to do so is to go to an online website specialized in auto insurance quotes in New Jersey.

If you want to do that this very moment just enters your zip above and you will surely find few really New Jersey cheap car insurance companies.