New Jersey insurers typically offer discounts that fall into three categories: policy discounts, driver discounts, and vehicle discounts. Just about anyone can get a discount on car insurance in New Jersey because most insurance companies make it easy to get a variety of savings. If you drive less than 50 miles per day, insurance is available at a discount. Companies offer low-mileage insurance if you install plug-in devices or download apps to monitor your driving.
Auto insurers may not offer direct discounts for driving fewer miles, but some may offer usage-based insurance programs that could lower the rate as a reward for driving safely and less in general. 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. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. Generally, people who drive less than 7,500 miles a year qualify for low mileage discounts on their car insurance.
Driver discounts are available for New Jersey residents who have a lower insurance risk, such as those with a clean driving record. While taking advantage of a low mileage discount may save you some money, there are more effective ways to lower your car insurance premiums and find the cheapest coverage options. 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. Drivers can save money by purchasing car insurance with low mileage, but there may be better ways to reduce car insurance costs without adjusting mileage.
For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 30% more than the average premium in New Jersey. The 10 biggest insurance companies offer a good student discount, and the requirements are generally the same among insurers. However, low mileage insurance is still complicated, so the best insurance for drivers with low mileage varies. 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.
If you don't drive very far or often, you might want to consider low-mileage or pay-per-mile car insurance. In New Jersey, drivers with just two speeding tickets pay an average of 45% more on their annual car insurance premiums, for example.