How to Get Affordable Automobile Insurance in New Jersey

Driving without automobile insurance in New Jersey can get you in tons of trouble and cost you up to several thousand dollars in fines and other fees. You do not want to risk being caught behind the wheel without automobile insurance in New Jersey. So what can you do if you re low on funds? How can you get affordable automobile insurance in New Jersey? Fortunately there are several rather simple things you can do that will, combined, help to bring down the cost of driving your automobile each month. First, choose your automobile with care. Not all cars cost the same to insure. If you really want to get the lowest price on your automobile insurance ask your insurance agent for a list of the least expensive cars to insure. Next, drive sensibly and legally. In other words, don t get speeding or other moving violations and whatever you do, do not have a DUI or DWI conviction on your driving record. With a DWI or DUI conviction you will not find affordable automobile insurance for a minimum of 3 years. If you are convicted of a second DUI or DWI you will be forced to find insurance in the high-risk pool where prices can be truly astronomical. If you re under 25 you are automatically placed in a high-risk insurance category and your rates are relatively high. You can tame these rates somewhat if you are able to be added to your parents policy and if you stay in school and can maintain at least a 3.0 grade point average. Maintaining good grades will earn you at least a 5% Good Student Discount. Older drivers, those 55 and over are also subject to increased monthly insurance premiums. Most - but not all - insurance companies offer older drivers the opportunity of taking a Driver s Refresher Course. Passing this course can reduce your monthly insurance premium by as much as 10%. Are you able to park your car in a garage at night? If you can park in a garage you are entitled to a break on your insurance. Can you add any safety features to your car? Even buying a steering wheel club can reduce your insurance premium. But you can also purchase an electronic device that will cut off your fuel pump if your car is stolen, making your car much less of an insurance risk and therefore cheaper to insure. Don t make a bunch of small claims. Many insurance companies will reduce your monthly premium if you go as little as six months without a claim. If you have had an automobile insurance policy with the same company for 5 years demand that you receive a Long Term Policy Discount. Review your policy on a yearly basis. Each year your automobile is worth less and less - and you should be purchasing less and less collision and comprehensive coverage to reflect this fact. And speaking of collision and comprehensive coverage, if your car is so old or so beat up that it has almost no Kelly Blue Book value any longer you should stop spending money on collision and comprehensive insurance since the maximum payoff for either is Kelly Blue Book value. Can you afford to increase your deductible? This is a serious question and deserves some thought before being implemented since whatever amount you decide upon for your deductible is an amount that you will be forced to come up with in cash anytime you file a claim. The higher your deductible is, the lower your monthly premium payment will be. Now it s time for you to put together a low-cost automobile insurance policy using the tips and tricks in this article. Once you ve come up with a formula for your automotive insurance success it s time for you to get online and compare the price of your policy at every insurance company offering automobile policies in New Jersey. To do this you will need to take the time to make your head-to-head comparisons on at least 3 different websites, but once you ve done that all that s left for you to do is to pick the lowest price and then smile all the way to the bank every month knowing that you have gotten affordable automobile insurance in New Jersey that s going to save you money for many years to come. My recommended sites here: Affordable Automobile Insurance in New Jersey Lowest Rates on Auto Insurance Quotes