Post Date August 21, 2012 – Auto insurance rates in New Jersey have undeniably become more expensive over the last few years. This does not mean New Jersey drivers can’t do anything to lower their auto insurance rates in New Jersey.  In fact; there are a number of proven ways to lessen one’s auto insurance rates in New Jersey. First and foremost; be a safe driver. Maintaining a good driving record without accidents, tickets and violations is always a good idea. Keeping your New Jersey driving record clean is vital.  Insurance carriers base their auto insurance rates in New Jersey on a 36 month experience period.  Those with a clean driving history for 3 years is considered a low-risk driver and will receive the lowest rates.

Auto Insurance Rates In New Jersey

Safety devices can help you lower your auto insurance rates in New Jersey. Purchasing a car with safety devices which will protect you and your passengers against injuries will lower the probability that your insurer will have to pay medical claims which could raise your auto insurance rates in New Jersey.  Another way you can make sure your rates stay low is never drink and drive.  This means never drinking socially and getting behind the wheel of your car.  If you are stopped while even the slightly bit intoxicated; a DUI will get you arrested as well as raising the cost of your auto insurance rates in New Jersey.

Pay your bills on time. Maintaining a good credit rating is vital to keeping your auto insurance rates in New Jersey lower.  Most car insurance companies consider credit ratings as one of the most important risks factors. A  person whom pays their bills with minimal financial troubles have less accidents. Having a bad credit rating translates into not only being unable to pay your credit obligations but not making your payment of  car insurance premiums. Folks which have these financial problems at home appear to have a higher chance of accident activity. and eventual cancellation of policy but as well as possible fraudulent claims against insurers.

-Mike 

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 602