Car insurance can get very expensive, and the monthly rates are sometimes just as high, if not higher, than some monthly car payments. In this article, we’ll take a look at how to get the cheapest insurance quotes that New Jersey has to offer.

If you are looking for the lowest NJ insurance quotes…

start with the vehicle you’re insuring.

Remember that the newer and more expensive your vehicle is, the higher the rate for insurance. Therefore, if you plan to purchase a new car, buy an inexpensive one instead of the fully loaded luxury vehicle you’ve been dreaming about. Trust me, heated seats and all leather interior are small luxuries to give up when you consider how much lower your rate will be for your new bargain-priced sedan.

Keeping a check on your credit score is another way to lower NJ insurance quotes for your new vehicle. Many states, including New Jersey, allow insurers to factor in your credit score when determining your premium. You can obtain your credit score from several sites online, including some sites that offer free score readings. Don’t forget that checking your credit score too often can actually lower your score, so only check it occasionally.

Shopping around is one of the best ways to get the cheapest NJ insurance quotes. Not only are you shopping for the most affordable quote, but this also gives you a way to “haggle” with prospective insurance agents. The best way to do this is to take the four best NJ insurance quotes you’ve been given, then go to each agent and propose the lowest offered rate. If the agent can’t give you the rate you want, simply thank them for their time, then make your way to the agent who will meet your quote.