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In addition you should have your current or former “Declarations Page” which lists your coverage’s and discounts. Make sure to compare like coverage’s so that you will know if the quotes that you receive is cheaper or better than what you have had.
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You should decide if listing your NJ Group Health Insurance or medical insurance policy as your P.I.P – Personal Injury Protection- primary for medical treatment after an accident. This is a huge discount and may provide superior medical coverage in the case of an accident.
If you are looking for the most affordable NJ car insurance coverage then you have come to the right place. Compare free online New Jersey auto insurance quotes to see where you can get the policy you need at the lowest cost. How can I get affordable insurance? Use the free company locator below and start saving now!
Check all discounts to save on Car Insurance Quotes in New Jersey, 80 percent to 90 percent of all insurance purchasing decisions begin on the Internet and we have the tools and experience to help you get it done.
NJ Car insurance companies often discount their policy rates in order to encourage good or better driving practices and the use of safety and security precautions. Depending on which NJ insurance company who issues the policy, you can often lower your rates from 5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount, and sometimes it’s simply worth some peace of mind. For example, the purchase of anti-lock brakes merits a discount from nearly every insurance company and even NJPAIP, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are considered a life-saving feature and deserves serious consideration when safety is a top priority for yourself and other who ride with you.
Location is one of the factors used to set policy rates. Insurers are also starting to use “credit scores”, occupation, marital status, and education level to set rates. Many consider these practices to be “unfair”.
In determining premiums, New Jersey’s auto insurers take into account factors such as geography and credit scores, leaving a driver living in a urban area who has a poor credit history likely to pay more.
The State Of New Jersey regulates the practice. Insurers can’t use race or income in setting prices. And they need to provide exceptions for drivers whose credit scores have been hurt by unusual events such as the temporary loss of employment. But motorists can’t legally drive without insurance so many are buying a “Basic Policy” with minimum coverage.
An interesting point to this is that the job of an insurance underwriter is to properly categorize a given risk as to the likelihood that the loss will occur. Any factor that causes a greater likelihood of loss should in theory, be charged a higher rate. This is a basic principle of insurance and must be followed for insurance companies or groups to operate properly, even for non-profit groups. Thus, discrimination of potential insured’s by legitimate factors is central to insurance. Therefore the only thing that can be considered legitimately “unfair” are practices that discriminate against a given group without actual factors that show that the group is a higher risk.
Discounts| This is what many people care about and should always try to get the maximum offered.
Here are some major discounts that you can get and you should look for:
1)How to get Multiple vehicle discount:
Most NJ insurance companies offer a discount to consumers that insure more than one car with their company. Companies offer these discounts not
only because they want all of your business, but also because it is easier for them to underwrite individuals that they know, thereby reducing their risk and saving the
company money. In addition, industry statistics show that individuals and families who insure more than one car have a better than average claims experience.
through this discount, companies pass along some of their savings to you.
3)How to get Good Student Discounts:
Insurers have found that students who are responsible enough to earn a B average or better tend to be more responsible drivers. For that reason,
many companies offer a “good student discount” that you can get if eligible.
Automobile safety devices can lower insurers’ costs by preventing accidents or limiting their severity. These savings are passed along to policyholders
through discounts for safety equipment. This equipment includes air bags, automatic seat belts and anti-lock brakes.
6)How to get Low Mileage Discount:
The fewer miles you drive, the less chance you have of getting into an accident. New jersey Insurers recognize this fact and generally offer discounts that you can get for low mileage drivers. Some companies also offer discounts for drivers that participate in carpools such as to and from the workplace
Some insurers, such as New Jersey Manufacturers Insurance Company (a membership required company) offers a dividend to policyholders if the sale of auto insurance has been profitable to them. Dividends are declared and paid after the policy period has expired.
Discounts are not only ways for companies to attract customers, they are also ways for companies to compete and retain business. So, when you shop, do not just ask if a discount exists, but also ask how much you save. Savings can differ from company to company. In addition, consumers should make sure that they receive the discounts for which they qualify. When comparing the price of insurance between different companies, compare the total cost after any discounts.
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Learn about car-auto insurance and find out what factors cause your rate to go up or down. Many people ask, what will it cost to insure my car? That cannot be answered properly until we have more information.
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