Use our New Jersey Car Insurance Calculator for an idea of your premiums. This tool takes into account various factors like driving history, age and type of car you drive before providing near instant quotes from multiple providers based on that specific data. By entering all required data and requesting quotes you could save yourself both time and money!
As soon as you fill out an insurance quote form, an insurance provider will ask for your driver’s license number and VIN. This allows them to verify your identity while also checking whether your vehicle poses any potential issues that would lead to its denial. They’ll also require information on your credit rating as well as whether your policy covers teenage drivers.
Some factors will have more of an effect on your rates than others; your credit score, for example, has a strong correlation to car insurance premiums; drivers with excellent credit typically save over $2,000 in annual premiums compared to drivers with poor credit.
Your driving time can also have an effect on premiums. If you spend a great deal of time behind the wheel, higher liability limits than state minimums could help protect your savings and assets should a collision occur. Collision and comprehensive coverages could also provide peace of mind against damage to your car from non-crash events.
Where you live in New Jersey can have a significant effect on your car insurance rates. Cities with higher crime rates, larger populations and greater exposure to certain weather patterns tend to have more expensive premiums than less densely populated regions.
As soon as it comes to driving records, even one slipup can have serious repercussions for your rates. A single speeding ticket could increase them by $1,000 or more; similarly, DUI conviction can push rates up 94%; reckless driving charges could even raise them 51%!
Finding the ideal New Jersey car insurance policy requires comparing quotes from multiple providers. Enter your ZIP code below and begin shopping for competitive auto policies from top-rated insurers. Make sure you’re getting all of the coverages required or optional to meet your unique needs and budget, with no commitment necessary from calling an agent directly and getting a personalized quote! Get started now. These experts can provide more in-depth advice and explain the different coverages available, while offering discounts if certain safety features have been installed on your vehicle. They can also guide you through filing claims, making payments and more. So whether you’re seeking an economical plan with exceptional customer service or something more robust with additional coverage options, make sure to compare quotes from New Jersey’s premier insurers.