Compare New Jersey car insurance to find to best discounts on your vehicle coverage. Students living, driving and studying in New Jersey can save up to 35 percent on their car insurance when they compare various prices online. In between researching your paper on Freud and writing your 15 page midterm essay, compare car insurance in New Jersey online and find a policy that is both comprehensive and affordable.
When you compare car insurance in New Jersey, you will notice that New Jersey allows you to choose whether you operate under a tort system (the driver who is at fault for the accident pays the damage) or a no fault system (every driver is responsible for his/her own damages, regardless of who is at fault). This is a bonus for all New Jersey drivers as you can compare different policy options depending on your driving needs and lifestyle. While one driver may prefer a tort system, another may choose a no fault system - it all depends on what you feel comfortable with.
When you compare New Jersey vehicle insurance, you will also note that there are two main coverage options - basic coverage and standard coverage. Again, be sure to consider how much or how little you drive, what type of car you drive and how much protection you want when you compare the two policy options.
Basic coverage is mandatory for all drivers in New Jersey and includes $5,000 of property damage protection for vehicle damages and expenses as well as $15,000 per person up to $30,000 per accident for bodily injury liability. A standard policy includes the same bodily injury and property damage as well as $15,000 per person up to $30,000 per accident of uninsured/under insured motorist bodily injury as well as $5,000 of uninsured motorist property damage and $15,000 of personal injury protection.
If you are under the age of 25, you may be feeling frustrated when you compare New Jersey car insurance. NJ has one of the highest average car insurance rates across the nation and those under the age of 25 are often hit with even larger premiums. The average New Jersey driver will pay over $2400 per year for their coverage while this is often doubled for young drivers! This is simply because new drivers do not have the experience on the road to warrant a discount. Once you have been driving for three to five years and remain car accident and claim free, your premium will be lowered. In fact, once you hit the age of 19, your premium should be discounted by 25 percent. By the age of 21, you could be looking at an additional 5 percent drop.
There are several ways to find cheaper car insurance quotes when you compare car insurance in New Jersey. One thing to be on the lookout for is the good student discount. Many providers offer a good student discount because, statistically speaking, students with a higher grade point average demonstrate responsibility in the classroom and often on the road as well. A good student discount applies to a student that maintain a B average (or 3.0 GPA) each semester. You may also be eligible if you make the dean's list or honor roll at your college of choice or if you are in the top 20 percent SAT, PSAT or ACT score. Students can expect anywhere from 10 to 15 percent off through the good student discount.
Student drivers that are still living at home can also benefit from remaining on their parents policy for a little longer when they compare car insurance in New Jersey. Ask your parents to add you on their car insurance policy as an ‘occasional driver.' While their premium may go up, you will be able to save a lot of money in the end. You will be able to boost up your driver's history but without paying the costly young driver fees. After a few years on the road, you can venture onto your own policy and compare quotes. You will be surprised to see a big difference in price when you compare New Jersey automobile insurance after a few years on the road.
Keep in mind that there are several other discounts that apply to students as well as drivers of all ages. This includes the low mileage discount if you do not drive often, the green discount, if you drive a hybrid or fuel efficient car, and the safe driver's discount, if you invest in a driver's education course. When you compare New Jersey car insurance be sure to always compare discounts, policy types and rates every year to get the most accurate and cheapest price.
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