New Jersey auto insurance quotes, Garden State drivers – be they muscle-bound beach bums who live near the casinos or volunteer social workers striving to rebuild the core of Newark – require substantial New Jersey auto insurance quotes coverage to mitigate against a plethora of risks. You can be a long distance trucker who clocks thousands of miles on the New Jersey Turnpike every month, a housewife who sticks to surface streets or a Manhattanite who lives in Jersey and commutes daily via the George Washington Bridge. Irrespective of your station in life or the car you drive, you must meet certain minimum requirements for your insurance coverage. That said, your rates will depend intimately on literally dozens of factors, from your credit score to the safety of the neighborhood where you garage your car at night.
New and Old New Jersey Auto Insurance Quotes Laws and Statistics
Frustratingly, New Jersey had the second highest average auto rates in the country, as of 2007, according to the National Association of Insurance Commissioners. The average Garden State driver paid a whopping $1,104 – $300 more than the US average of $795. Breaking out the statistics further yields more grim news: Garden Starters paid $143 for comprehensive, $354 for collision, and $730 for liability.
New Jersey auto insurance quotes must carry a lot of minimum coverage, at least as of February 2010. They needed bodily injury, property damage, personal injury protection, uninsured motorist and underinsured motorist coverage. If there is a sliver of good news in these statistics, it comes from the Insurance Research Council's 2007 report about uninsured motorists, which found the New Jersey had an uninsured rate of just 8%.
Chipping Away to Lower Your New Jersey Auto Insurance Quotes
Just because the average Jersey driver paid $1,104 in 2007 does not necessarily mean that your rate will even approach that. An average is just an average. To qualify for better New Jersey auto insurance quotes, be a safe driver. If you have had traffic violations or accidents in your past, and it's been a while, reevaluate your policy, because you might be able to qualify for discounts. A claims-free discount can be worth 10% or more. If you are in a low-risk category, you may qualify for a discount of 50% or more.
Also, consider installing an anti-theft device, putting in daytime running lights and antilock brakes, and buying a vehicle with front and side airbags. Circumstances in your life will change. You may get married or divorced, move to a new part of Jersey, trade-in your car, and so forth. Each transition can impact your rate significantly. To that end, keep a keen eye on your options.
Find More Tailored New Jersey Auto Insurance Quotes Today
The cheapest New Jersey auto insurance quotes won't necessarily be the most cost effective for you over the long term. To find a best-fit policy, you should really shop around to compare what different insurers have to offer. AutoInsuranceQuotes.com provides a free and easy way to do this. Fill out our online form (takes just 2 minutes). Then submit it, and you will get back several different quotes selected from among top U.S. insurance companies. Then all you have to do is compare, contrast, and save. It really is that easy to get New Jersey auto insurance quotes.