How much is car insurance in NJ

Figuring out how much car insurance costs in New Jersey is easy when you read this

Even though most every company around the country is going to tell you that they make it as easy as humanly possible to figure out exactly how much is car insurance in New Jersey is going to cost you, nothing could be further from the truth.

Sure, you are going to be able to ask Google “Just how much is coverage in NJ” and receive hundreds of thousands of different responses in a fraction of a second, but at the end of the day none of that information is going to be directly applicable to your specific situation – and these ballpark figures just won’t cut the mustard when you want to know how much money you are actually going to be on the hook for.

Thankfully though, we have done a lot of the heavy lifting for you.

By paying attention to all of the information that we have to offer in this quick guide, you aren’t only going to know exactly how much it is – but you’re also going to know EXACTLY what you have to do to get to your car coverage even cheaper!

All you have to do is read all of the inside information that we offer you below and you will be able to save at least a few hundred dollars every year if not even more money!

Shall we dive right in?

How much does it cost?

According to information published in 2015 by the National Association of Insurance Commissioners, the average driver in the United States paid just about $815 a year for the average car  policy – a number that was a little bit higher than it had been previously (and following a trend of higher coverage prices that has been pretty commonplace for the last decade or so.

People in New Jersey are paying even more money than that on average to make sure that their vehicles are fully protected by an auto policy. According to that same study, the average driver in New Jersey is paying just about $1100 for a full year of auto coverage, and some are paying a lot more than that!

This is why you have to make sure that you are doing everything in your power to pay as little for the best coverage around as humanly possible. No one has an extra $1100 laying around to spend on auto coverage that they might not even take advantage of.

On top of that, expenses are “consumable expenses” – you just aren’t going to get that money back ever if you don’t take advantage of your coverage protection.

And that’s where the tips and tricks we are able to share with you below come into play.

We are going to break down a handful of things you’re going to be able to do pretty effortlessly to keep the cost of your auto policy down all year round – without having to sacrifice your coverage at the same time.

Here we go!

Compare multiple policy offers against one another

A lot of people ask “how much is it” of a specific company but never take things further and ask three or four companies the exact same question.

This results in sky high policy bills, way too much extra coverage that is a lot more expensive than necessary, and a whole host of other headaches and hassles that you shouldn’t have to worry about.

Compare three or four different offers right out of the gate and you’ll know exactly what you’re getting into when it comes time to purchase the best coverage for the best price.

Purchase a car that is cheap to insure

It’s also always a good idea to try and get your hands on a vehicle that is going to be as inexpensive to fully protect with a policy, and that means doing a little bit of extra research when you are shopping for cars.

You might be surprised to learn that almost identical vehicles from almost identical brands and in almost identical condition can be much less expensive to insure than other options – and those are the kinds of intelligent purchases that you’re going to want to try and make as often as you can.

Always ask for a discount

Finally, you want to be 100% certain that you always ask for a discount at every opportunity – really pressuring these companies to unlock the kind of secret savings that you simply wouldn’t have been able to enjoy otherwise.

It doesn’t take any extra negotiation, doesn’t take a lot of extra effort, but at the end of the day you might be able to save anywhere between 10% and 25% off of your bills just by asking “how much is car insurance in NJ if you give me a discount”.