Good driver, drivers with a clean record and no history of claims save on insurance. The 10 biggest insurance companies offer a good student discount, and the requirements are generally the same among insurers. Both Geico and Selective Insurance have great rates for drivers with bad credit in New Jersey, so try the quotes from those companies if you're looking for cheap car insurance in New Jersey. You may be eligible for this discount on car insurance in New Jersey if your vehicle is equipped with an anti-theft mechanism.
You can get discounts on car insurance in New Jersey depending on how you drive, the car you own, and your relationship with your insurance company. Whether your policy includes a student or you're a student looking to lower your own rate, car insurance discounts for students in New Jersey can be a smart way to reduce the price you pay for insurance. Penalties for driving without insurance in New Jersey include fines, driver's license suspension and community service. A conviction for drunk driving can increase the rates of New Jersey drivers with a good previous driving record by an average of 87%.
Auto insurance companies generally like to insure good drivers because those motorists don't usually have accidents or file claims. In New Jersey, drivers with just two speeding tickets pay an average of 45% more on their annual car insurance premiums, for example. 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. This law requires insurance companies to offer a 10% discount on liability and collision insurance for cars or motorcycles if you complete an accident prevention course approved by the New York State Department of Motor Vehicles.
New Jersey auto insurance must offer a personal injury protection (PIP) discount on a policy if the insured person is the only person licensed to drive in the household and has at least two cars covered by the same insurance company. 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. Take an in-person or online course approved by the New Jersey Motor Vehicle Commission (MVC) to get a discount on your liability, PIP and collision premiums that applies for up to three years. About 3% of New Jersey drivers don't have car insurance, making it the state with the least number of uninsured motorists on the roads, according to the Insurance Research Council.