Cheap car insurance in New Jersey can be secured by following a number of simple methods and by understanding how basic coverage works under the current 15/30/5 system. By taking effective steps to lower the price of an average policy, substantial reductions can be easily achieved. In 2009, the average cost of an insurance policy in New Jersey was $2,498.This represents a figure that is an astonishing $763 higher than the national US average.
Cheap car insurance in New Jersey is easier to source if the potential policyholder has a good driving history. Furthermore, reductions will be considered if a motorist has advanced safety features on their vehicles such as airbags, auto-locking seat belts and anti-lock braking systems. Advance security features such as satellite tracking systems can also help lower costs.
Another way of finding cheap car insurance in New Jersey is to contact the local Motor Vehicle Department (MVD) and find out exactly how a driving record looks. Unpaid motoring fines can have a significant effect on policy prices so getting them paid off and having the record updated by the DMV can be highly beneficial.
Vehicles that are park off-road overnight are more likely to benefit from cheap car insurance in New Jersey. As well as considering anti-theft devices, drivers without access to a garage should always be conscious of parking their vehicles in well-lit areas to help deter potential thefts or vandalism.
Lowering deductible costs, restricting mileage, daylight driving and the use of low performance vehicles can also have a major sway on cheap car insurance in New Jersey.