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Seven Steps to Successfully Add a New Car to your Current Car Insurance Policy in New Jersey

Adding a new vehicle to an existing New Jersey Car Insurance is not a new phenomenon. It is among the easiest and most convenient ways to reduce your car insurance costs. The current financial crisis being felt all over the United States has forced people to resort to cheaper and more convenient ways to lessen their expenditures. The different life stages that people go through are the main reasons for people wanting to buy an additional vehicle. Among these life stages are:- marriage, your teenager has come of age to needs a car, expanding a business and sometimes maybe just wanting a new car to spice up your life. New Jersey Car Insurance firms will more often than not give you a discount on your car insurance premiums if you choose to add a new vehicle to your individual car insurance. Buying a separate car insurance policy for any vehicle you own is an expensive venture and most insurance agents and brokers will advice you against that. This said, you are still within your rights to do so if you please.


The process for adding a vehicle to your current auto insurance policy is simple and just needs you to follow a few self-explanatory points. These are:

•             First, you must liaise with your insurer and inform them of your intention to add another vehicle to your current policy.

•             The insurer will then require you to give the details of your policy, which are your name, policy number and the like.

•             The type of car and make sure to include the year and model of the vehicle

•             VIN number of the vehicle

•             The mileage of the vehicle; which you will be found by checking the odometer

•             If someone else apart from you will be driving the vehicle; like your teenager, spouse, friend etc; give the insurer their names, date of birth and their license numbers

•             Last but not least, the type of cover you want to take up on the vehicle. This is the liability in terms of individual injury, personal injury protection, property damage, collision, and comprehensive. These amounts must meet the minimum liability requirements of the respective state. If you are in New Jersey and want the Basic liability, you will only be required to make do with two namely property damage and bodily injury to multiple persons.

Apart from adding a new car to an existing auto insurance policy, there are a number of ways that one can lower their auto insurance costs. New Jersey Car Insurance rates are among the lowest in the United States but you can still use other legal measures to make it even lower. If you are interested in finding out, enter your zip in the box provided at the top of the page. Staying informed on the goings on in the New Jersey Car Insurance industry is a privilege you cannot afford to overlook.

The Perks of Meeting New Jersey Car Insurance Agents Personally

Searching for auto insurance locally entails going to the insurers offices physically and meeting the insurance agent face to face. Before the inception of the World Wide Web, this was what one had to do in order to get New Jersey Car Insurance. Despite the ease of being able to get auto insurance quotes and inquiries at the touch of a button via the internet, some people still prefer this old-fashioned way of meeting the insurance agents face to face and not via a computer screen. The same quotes this individual will receive from physical contact with the insurance agent are no different from the ones available online. Despite face-to-face meetings being viewed as medieval, there are a number of advantages that come along with it.

Dealing with a New Jersey Car Insurance agent face to face makes you feel confident that you have the required information and this goes a long way to easing your mind. Such a client is comfortable when he or she faces the insurance agent physically and inquiring on policy issues like claims, billing, benefits, discounts and many more. This in essence will develop into a personal relationship between the client and the respective insurance agent or broker. When making inquiries online on your insurance status, all the agent can see on his side of the screen is a policy number; meaning that there is no personal interaction whatsoever. Personal interaction between personnel and a client is a very vital part of any service industry or business of any kind. Shaking a hand, nodding your head in understanding or smiling back to a prospective client, shows that they are welcome and are sure that this agent will do whatever possible to assist them.

Telling an agent of New Jersey Car Insurance your insurance needs face to face will challenge the agent to customize a reasonable policy that will accommodate your needs. Face to face contact is important in this aspect since the agent will empathize with your auto insurance needs and will try not to lose a client if there is something else he can do. Once you have created a bond with an insurance agent, they may even call you out of their own will to inform you on new policy discounts or coverage options. Another advantage of this is that you shall develop trust with the agent to a point that you will also call him or her directly if you have any inquiries. In the event that you may be following up a claim, the respective agent can go out of his or her way to call their head quarters for an update on your case.

All these advantages make some people to prefer meeting the car insurance agents in New Jersey face to face in order to benefit from these perks. If you want to contact your insurer, enter your area zip above and we can direct you towards your insurer’s office so that you may meet your agent or broker face to face.