The rules for what qualifies for an alarm discount in New Jersey are incredibly complex. Here's a detailed analysis of which anti-theft device meets the requirements. You can get a good student discount on car insurance if you're a high school or college student with at least a B grade point average. It's not uncommon for drivers to have their car alarms changed to aftermarket alarms that, anyway, qualify for discounts on anti-theft car insurance.
New Jersey is also a “no pay, no play” state, meaning that uninsured motorists must pay a certain amount out of pocket before they can sue the at-fault driver for damages. And yes, that's why it's important to make sure you know the exact model of vehicle you have when getting a car insurance quote online or over the phone. You may be eligible for this discount on car insurance in New Jersey if the primary operator of the vehicle is at least 65 years of age or older. Therefore, the question is up for debate as to whether drivers with basic liability insurance will only get an anti-theft discount on their car insurance premiums.
New Jersey insurers typically offer discounts that fall into three categories: policy discounts, driver discounts, and vehicle discounts. Many auto insurance quote systems will allow you to enter the vehicle identification number (VIN) and automatically see the exact model of the vehicle you have. Penalties for driving without insurance in New Jersey include fines, driver's license suspension and community service. It seems too good to be true that car insurance companies will give you a discount on your vehicle insurance premiums simply for having certain security features in your car, especially anti-theft features.
Driver discounts are available for New Jersey residents who have a lower insurance risk, such as those with a clean driving record. The good news is that car insurance providers can take into account the vehicle alarm your car comes with when underwriting your car insurance premiums. Of course, the most effective way to make your car not easy to steal is to make it not work for thieves with vehicle alarms that turn off the car's engine when a theft is detected. The 10 biggest insurance companies offer a good student discount, and the requirements are generally the same among insurers.
If you receive a car insurance quote based on an incorrect version of your vehicle, your premium amount may change when the insurance company confirms all of the information when underwriting your policy.