Cheap car insurance in New Jersey


New Jersey residents pay more than the average Americans. The state average for February 2012 was of $1,982, almost 20% higher than the current national average premium of $1,671.16. Newark is one of the most expensive cities in the United States, with an average of a whopping $3,127 per year, followed by Jersey City with $2,579. The good news is that prices have been dropping for the last twelve months, from an average of $2,383 in March 2011 to nowadays' $1,982.

Nevertheless, these are mere statistics which should be used as a ball-park indicator to get a rough estimate on what you are going to pay. If you live in Jersey City, for instance, it doesn't mean you are going to pay $2,579 for your Liability coverage – it can be $1,900 or $3,900 or well above that. Let us see how you can get cheap car insurance in New Jersey.

Keep a clean driving record

Car insurance premiums go up after you get tickets or are found to be at-fault in an accident. Keeping a clean record will not only keep the premiums from going up, but you can also avail the no-claims discount whenever you renew the policy.

Pay your bills on time, every time

A lot of insurance companies will look up your FICO score. If you have a poor credit record you be regarded as a higher liability (if you aren't responsible enough with your money you aren't likely to be a good driver either). There are many ways you can work on your credit score, which are outside the scope of this article.

Install anti-theft devices

Ignition cut-off devices, GPS trackers or even a measly wheel lock can put your car in a safer category, hence it will be cheaper to be insured. Show the insurer that you care about your car and you might be rewarded with a nice discount.

Don't get more coverage than you need

Don't get Collision and/or Comprehensive coverage for cheap and old cars. It could be that you will be billed more than the car is worth. See if you need Rental reimbursement or Theft coverage – you might have a similar coverage with an auto club, your home insurance or a certain credit card.

Stay with one company

Keeping all your policies with one insurer can save you a small fortune, as well as save you the hassles of managing multiple bills. To the best extent possible, use the same carrier for all your insurance needs, be them auto, health or property.

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