Cheap is usually the goal when shopping for car insurance.This article is going to tell you the…

Best Ways to Get Cheap Car Insurance in NJ

In order to obtain cheap NJ car insurance, you must first learn about any discounts that you may qualify for. One of the biggest discounts you can qualify for is an age-based discount.

Drivers ages 25 to 49 are among those who are qualify for lower rates.

Increasing your deductible is another simple way to keep cheap car insurance. By raising your deductible, your monthly premium rates are lowered. The downside to this is, if you do have an accident of some sort, you will have to pay a lot more for out-of-pocket expense. However, if your monthly premium is lower, this can give you a little wiggle room to save back a little cash each month for unexpected expenses like your deductible.

Consolidating all of your insurance policies down to one company, as well as being a loyal customer, are two more great, easy ways to obtain cheap car insurance in NJ. Consolidating your insurance policies almost always lowers your rates all around for all of your insured properties. Many agencies also offer loyalty discounts, so choosing an insurance provider, then sticking with them, is also very beneficial.

Keeping a clean driving record is a big way to obtain cheap NJ car insurance. Again, almost all providers have some type of discount for safe drivers. However, not all agents will share this fact with you, so it’s a very good idea to ask your agent about this discount.

These are just a few way you can get cheap car insurance in NJ. As you can see, doing your research before you buy insurance definitely pays off. Perhaps the best advice for getting the cheapest rates is to do your homework, then make a list of any and all discounts you may qualify for, and lastly, ask your agent to see if you qualify for any of the discounts on your list. You will likely be pleasantly surprised at how much lower your car insurance rate will become.

Post Date July 21, 2014 – Although West Virginia is known as The Mountain State, it also holds the distinction of having the highest rate for deer auto collisions. This means that when you are driving the streets and highways of West Virginia,  auto deer collisions are consistently higher than any other state in the United States.

For the last 7 years,  West Virginia holds this distinction based on the data collected on the number of Deer Auto Collisions insurance claims data compiled by State Farm Insurance Company.  Based on the State Farm report, deer-auto collisions in The Mountain State are 1-in-48. Deer Auto Collisions in the rest of the United States is 1-in-183.  What is more surprising is that collision and comprehensive auto insurance claims involving deer-related claims have increased in  the past four years, compared to the other type of claims including weather, fire, vandalism, etc.

Aside from West Virginia, other states have also showed an increase of the rate for chances of deer auto collisions. 

A spokesman for State Farm recently stated, “I think it’s interesting that, in the context of those other types of claims, deer claims are increasing”.  The spokesman also said that the trend of lowering accidents does not apply to deer auto collisions.  Aside from West Virginia, other states have also showed an increase of the rate for chances of deer auto collisions. These states are South Dakota, Iowa, Michigan and InsureDirect.com’s home state Pennsylvania.  Although Pennsylvania and Ohio are simular, the state of Ohio’s deer auto collisions dropped by a little over 2% in 2012 over the previous year – 2011. Michigan reported a 4 % drop on its number of deer-auto crashes. The Michigan Deer Crash Coalition had reported earlier that the deer-related crashes have resulted to 1,464 people injured, and eight dead in 2013.

Everyone knows about the obvious factors that will prevent you from obtaining NJ’s cheapest car insurance rates available. Speeding tickets, accidents, and being a male under 25 are all common factors that will raise insurance rates. But, did you know that turning 50 prevent you from having NJ’s cheapest car insurance rate to having one of the highest? This article covers this and a few other factors affecting your insurance premiums that you may not know about.

NJ’s Cheapest Car Insurance Rates

Some people mistakenly believe that getting older guarantees you the cheapest car insurance rates due to the obvious maturity and driving experience that tends to accumulate with age. Unfortunately, this isn’t always the case. The age group that receives NJ’s cheapest car insurance rates are adults ages 26-49. Anyone outside this age group should be prepared to pay a higher premium. While not every insurance agency will increase your rate once you turn 50, you need to be aware that it can happen. This seems like a rather unusual practice considering that statistics show that the safest drivers are between the ages of 64-69.

A poor credit score is another factor that can prevent you from obtaining NJ’s cheapest car insurance rates. Unfortunately, a poor credit score is not something you can instantly repair, but over time, your score can increase, and when it does, it’s time to re-visit your insurance agent, because you deserve to have a better rate.

Here’s another little known factor that can increase your car insurance rate: driving more miles.

What? The whole point of buying a car is so that you can drive it wherever and whenever you need to, so why would insurance companies increase your insurance rate for driving your own vehicle? Well, the thing is, the more miles you put on a vehicle, the more likely you are to get involved in an accident, or need repair work. While there is no specific amount of miles that guarantee an increase in your rate, it’s best to consult your agent about their company’s policy regarding mileage.

Lastly, perhaps the most unfair factor that can prevent you from getting the cheapest insurance rates, is the fact that you’re single. Many insurance companies claim that statistics prove that married people have less accident, and furthermore, cause less damage than single people do. While going out and obtaining a husband or wife is easier said than done, it’s necessary if you want cheaper car insurance.

Selecting NJ auto insurance doesn’t have to be hard or complicated. You simply need to understand what each level of coverage gets you, and why you need it. Then, the only thing left to do, is start shopping for the best rates. This article provides a few tips on what to consider when comparing NJ auto insurance rates, and how to choose the company with the best rate for you.

Comparing NJ Auto Insurance Rates

When comparing NJ auto insurance rates, you need to obtain at least three quotes from available agents. These quotes will give a bit of leverage when you are shopping for your NJ auto insurance, because agents are competing with one another to win your business. Take the lowest quote you’ve been given, even if it’s not with the agency you hope to do business with, then contact each prospective agent and ask them to match or better that rate. Chances are, the agency you really want to do business with also wants your business, so they will likely meet your proposed rate.

The next step is to compare each level of coverage from liability to collision to comprehensive.

As you probably know, liability only covers damage you do to another motorist’s vehicle, meaning you are still responsible for any damage repairs needed for your car. Liability insurance will also cover any medical bills the other motorist may obtain, but again, you are responsible for your own medical treatment. Of course, it’s understandable that comprehensive or collision insurance doesn’t always work into your budget, and liability insurance will at least keep you legal to drive.

Finally, when comparing NJ auto insurance rates, take into consideration deductible amounts and uninsured motorist coverage. One in seven drivers on the road are driving uninsured, so the probability of being involved in an accident with an uninsured motorist is high. However, not all insurance includes uninsured motorist’s coverage, so it’s very important to discuss this factor with prospective agents.

In this day and age, you can find anything online, including sites that offer NJ car insurance comparisons. However, some are still hesitant to buy car insurance from anyone other than a local agent. While there is absolutely nothing wrong with this, these folks are missing out on major savings because they are not reaping the benefits of using NJ car insurance comparison sites.

You may be wondering what some of the benefits are in…

Using a NJ Car Insurance Comparison Site

NJ car insurance comparison sites work a lot like search engine sites, only these particular sites focus on finding you the cheapest car insurance rates available. You can search all the major insurance companies’ rates at once, with most sites giving you the best rates first.

Another benefit, especially for young adults who are new to purchasing car insurance, is that you get a list of the best insurance companies out there, giving you an insight on whom you do and do not want to conduct business with. In addition, most comparison sites offer links that will take you directly to a check-out page for the insurance you select. This means you can take advantage of a one step transaction, instead of spending thirty minutes filling out paperwork.

Perhaps you are one of those who doesn’t want to leave your local insurance agency. That’s perfectly fine, but that doesn’t mean you won’t benefit from using a car insurance comparison site. You can still search rates from top insurance companies, then take the three best quotes to your local agent, and ask for a more competitive rate. You will be surprised at how quickly your agent will be willing to lower your rate if they see that you could be doing business elsewhere. If your agent doesn’t offer you a lower rate, it may be time to consider consulting with an agent from a company who offered one of the better quotes.

Purchasing car insurance is a major decision, one that’s almost as important as selecting a vehicle. NJ car insurance can be purchased at three different levels – liability, collision and comprehensive.

Types of NJ Car Insurance

Liability car insurance is the minimum amount you can buy and still be legal. However, it only covers any damages caused to another motorist and their vehicle by you. So basically, if you crash into another car, liability insurance will only cover the damage you do to the other vehicle, leaving you to foot the bill for your own car repairs.

Collision insurance covers more than minimum liability. NJ collision car insurance covers damages done to both yours and the other party’s vehicles. But, if you have an accident that you did not cause, such as a tree falling on your car, collision insurance will not cover those damages. For the most thoroughly covered NJ car insurance, you will want to buy comprehensive insurance.

Comprehensive car insurance covers any and all types of accidents that cause damage to your vehicle. Comprehensive includes damages caused by acts of God, such as floods, hail storms, tornadoes, and hurricanes. It also covers theft, vandalism, and fire. Comprehensive coverages is the most expensive NJ car insurance available, but it’s also the only type of insurance that will give you complete peace of mind. It’s especially recommended if your vehicle has a high resale value.

We can’t tell you what type of car insurance coverage is right for you. That is strictly a decision you must make on your own, based on your budget and needs. Of course, if it’s at all possible, we recommend buying fully covered comprehensive insurance, but we also understand that not all budgets have room for that. Just remember, it is unlawful to drive uninsured, so you must choose some type of coverage to avoid unnecessary traffic violations and hassle.

Purchasing car insurance is a major decision, one that’s almost as important as selecting a vehicle. NJ car insurance can be purchased at three different levels-liability, collision and comprehensive. Liability car insurance is the minimum amount you can buy and still be legal. However, it only covers any damages caused to another motorist and their vehicle by you. So basically, if you crash into another car, liability insurance will only cover the damage you do to the other vehicle, leaving you to foot the bill for your own car repairs.

Collision insurance covers more than minimum liability. NJ collision car insurance covers damages done to both yours and the other party’s vehicles. But, if you have an accident that you did not cause, such as a tree falling on your car, collision insurance will not cover those damages. For the most thoroughly covered NJ car insurance, you will want to buy comprehensive insurance.

Comprehensive car insurance covers any and all types of accidents that cause damage to your vehicle. Comprehensive includes damages caused by acts of God, such as floods, hail storms, tornadoes, and hurricanes. It also covers theft, vandalism, and fire. Comprehensive coverages is the most expensive NJ car insurance available, but it’s also the only type of insurance that will give you complete peace of mind. It’s especially recommended if your vehicle has a high resale value.

We can’t tell you what type of car insurance coverage is right for you. That is strictly a decision you must make on your own, based on your budget and needs. Of course, if it’s at all possible, we recommend buying fully covered comprehensive insurance, but we also understand that not all budgets have room for that. Just remember, it is unlawful to drive uninsured, so you must choose some type of coverage to avoid unnecessary traffic violations and hassle.

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Post Date May 4, 2014 – In their annual management report for 2013,  PA car insurance claim statistic’s showed Philadelphia automobile fatalities reached nearly 300. This is much higher than its preceding year which PA Car insurance deaths in Philadelphia were less  than 240 deaths from auto accident.  According to PA car insurance claims statistics, nearly 120 of the nearly 300 deaths involved drivers and their passengers. This is 50% higher than 2012. In a similar statistic, were 200 deaths in the city attributed to those riding a bike or motorcycle.

PA car insurance deaths are the focus of a recent study

The recent annual management report shows a true anomaly in traffic fatalities for the last fiscal year since the year 2003. PA Car Insurance death statistics had been showing a decreasing number of auto deaths. The report even showed there was an increase in auto deaths to 291 in 2012 despite trends on four consecutive years were still dropping.

Although there is an increase in traffic deaths, the number of traffic accidents had actually dropped since 2011. Most of the traffic deaths in Philadelphia transpired on highways like Roosevelt Blvd and I-95.  Factors being attributed to the PA car insurance death statistics are speeding, running red lights/stop signs, and DUI and DWI. These account for over 50% of these traffic deaths.

It has been reported PA Department of Transportation have speed bumps and speed  in specific problem areas  to slow down speeding car in more populated areas such as schools. There are now  near 330 speed humps in the City of Brotherly love. Other safety improvements executed by Department of Transportation include the redesigning and construction of streets near schools as part of the department’s “Safe Routes through School Areas” program.

With the said program, the Department of Transportation currently has 85 street redesign and construction projects on schools. Completed projects are now within 35 schools.

Post Date February 1, 2014 – A recent study by the AAA Foundation for Traffic Safety found that most PA Drivers desire to observe safe driving practices.  Other PA Drivers will be assigned PA Insurance Points for their deadly driving behavior.  Texting, talking on a hand held Cellphone, Shaving, putting on lip stick; all these are considered deadly driving behavior and will earn you PA Insurance Points.

PA Insurance Points will cost you much more for your PA auto Insurance policy

We all understand these simple acts are common place for many drivers in PA.  Other states have  taken steps to regulate these simple habits by creating laws to punish those drivers who continue texting while driving and practice other distracted driving habits. The survey shows drivers feel texting  while driving is a serious threat.  Sadly, nearly 40% of the drivers also admitted they text, call, and e-mail while they drive. Others also admit to Drinking and Driving.  This will earn you more than PA Insurance Points; you will lose your license and go to jail. All drivers consider driving after having a drink to be serious a threat. Although unacceptable,  nearly 15% of all drivers whom admitted to have driven a vehicle although aware their alcohol level is legal allowed limit.

There are other deadly driving behaviors which don’t seem as serious.  Of those PA Drivers surveyed, one out of four drivers admit that they do drive without wearing their seatbelt, run red light and Speed above the post speed limit. Speeding over the  posted limit especially on highways and even in residential roads tops the list. Three Quarters of all drivers say speeding is unacceptable.  Still, 15% of those drivers report speeding at least 15 MPH over the post speed limit.  percent of these drivers admitted that they have done it so. Almost all drivers consider it to be unacceptable to run through a red light but 37 percent admitted to have done it.

Post Date January 29th, 2014 – People who steal come in all shapes and sizes. Further, they have a preference on the things they steal. Thieves whom steal vehicles just don’t steal cars, trucks and SUV’s.  In fact, some are not only attracted to cars at all.  In fact, if it were not for motorcycle thieves, there would not be motorcycle Insurance and Motorcycle Insurance Rates. Those whom are motorcycle enthusiasts have all types of interests when it comes to the type of motorcycles they own and ride. These two-wheeled vehicles do not come cheap and losing them to thieves can be a big loss if you have not bought Motorcycle insurance.

Motorcycle Insurance Rates are very low in comparison to the risk of ownership

Although the National Insurance Crime Bureau (NICB) recently reported a decline on the rate of motorcycles stolen in 2013 compared to 2012, but still the risk remains the same. Further the rates on Motorcycle Insurance have also remained the same. The NCIB reports a total of motorcycle’s stolen across the United States declined over 5% last year.

Motorcycles attract thieves for their value. They can range from hundreds of dollars to 10’s of thousands. Some motorcycles even cost $50,000 or more. Either a thief would sell the stolen motorcycle as a whole unit, or the bike would be stripped for its parts and used to reconstruct another motorcycle. The reason Motorcycle Insurance Rates are not in decline even though thefts are down – is the ease of a motorcycle to steal. Still Motorcycle Insurance Rates are still very reasonable.

More Japanese brand motorcycles topped the NCIB list with the most number stolen. Honda had the most with over 11,000 reported stolen.  Yamaha had nearly 9000. Suzuki follows the pack with a little under 7300. Kawasaki came in 4th with 5,000 motorcycles stolen.  The last and the most surprising is Harley-Davidson came in fifth with a little over 3,000 bikes stolen.

As to the states with the most number of motorcycle thefts, California is at the top of the list with nearly 6000 bikes stolen while Texas is # 2 with 4000. In the United States, nearly five hundred thousand motorcycle were sold in 2013. Regardless how much you spend on your motorcycle, it’s important to purchase motorcycle insurance. If you have not purchased motorcycle insurance in the past, you will be surprised how inexpensive it truly is.