Cheap Car Insurance Quotes in New Jersey
You’re going to have a tougher time trying to find cheap car insurance quotes in New Jersey than most people would expect – not because there are so few options to choose form, but because there are so many!
Most people are under the impression that they’re going to be able to simply jump online, fire up Google, and then find the best cheap insurance on the market. And it’s easy to see why – most insurance companies run commercial day and night that tell you it’s going to be this easy!
Honestly though, like any other important decision you need to make, you’re going to need to do a little bit of research, take advantage of tips and tricks, and really be smart about the purchasing decision you make.
Here’s hoping we’re going to be able to help you out!
Look into insurance costs BEFORE you buy your new car
If you come up with a couple of different makes and models that you’re interested in owning and then hunt for insurance quotes BEFORE you purchase the vehicle, you’ll be able to figure out exactly which one meets your needs and your budget best – all without making a truly costly mistake along the way.
Make sure you get your hands on at least 5 quotes before you sign on the dotted
Getting the best car insurance quotes NJ has to offer becomes a lot easier when you’re looking at five different quotes from five different insurance companies – or even a few more than that!
After all, it’s going to be impossible to track down the best deals on the insurance market without looking at what competitors are offering and really using the quotes to compare and contrast (not to mention as leverage in negotiations) the different deals available.
Commit to investigating at least five different car insurance quotesNJ companies offer before signing on the dotted line and you’ll be in a much better position.
Push your deductibles up as high as you can afford
Most people are surprised to learn and then raising their deductible from just $250 to $1000 can help them save anywhere between 25% and 45% off of the total cost of their car insurance that year.
Honestly, most people will find it rather easy to save that extra $750 and put it into an emergency fund especially when they know that they are going to be able to save hundreds or even thousands dollars off of their car insurance just by making this decision.
It’s a bit of a no-brainer when you’re looking for the best car insurance quotesNJ companies have to offer.
Make sure you aren’t overpaying for insurance coverage you’ll never take advantage of
Because so many people simply purchase any kind of coverage that seems like a good deal at first blush, they end up paying a lot more for insurance coverage options that they are never likely to take advantage of along the way.
This is something that you need to eliminate immediately.
A lot of people with older vehicles (especially vehicles that are already paid off) are paying skyhigh amounts for comprehensive coverage AND collision – two of the most expensive insurance coverage options when it comes to cars.
You need to take a good, hard, long look at your policy to make sure that you aren’t falling into this trap. Find out about any coverage options you don’t need that you can reasonably trim back and watch as your car insurance quote drops through the floor.
Look for “hidden” discounts whenever they are made available
Safe drivers, good students, long-term customers, and those that bundle multiple insurance policies together are always able to take advantage of “hidden discounts” that aren’t regularly advertised by these insurance companies.
You might have to call up an insurance company to find out more about these specific policies, and you may have to jump through a handful of hoopsto unlock the fullest potential of these discounts, but it’s definitely well worth doing so.
You might be able to save hundreds or even thousands dollars of your insurance policy without too terribly much extra effort at all!
If you can afford it, prepay as much of your insurance policy as possible
If you have the money, you’re going to want to try and prepay as much of your insurance policy as you can. Car insurance companies understand that some of their customers are going to stiff them along the way, and they will always take prepayments that guarantee they’ll get a specific amount of money that year.
It’s not at all uncommon for you to get car insurance quotes from New Jersey companies that offer you 12 months of coverage with just 10 months of payments, representing a significant deal for everyone.
These are the kinds of car insurance quotesNJ deserve!
Check out my other guide on cheap car insurance quotes in florida and Cheap Car Insurance Melbourne FL