People often claim that video games are ruining our children. Well, when it comes to Pokémon Go, it might actually be true. Well, not ruin per say as much as injure. With more and more people playing this fun and addictive game, Pokémon Go has led to an increase in auto accidents, involving a few pretty severe accidents. Let’s take a moment to review the auto accidents increase due to Pokemon Go.
Driving is a complicated process that a lot of people take for granted. Every year, roughly 1.3 million Americans will die because of car accidents while driving on the road. Every year, between 20-50 million Americans will be injured or involved in a car accident. Multi-tasking within the car is not uncommon and many states have taken steps to make it illegal to text and drive at the same time. With calling while driving becoming increasingly illegal as well, state and local policy is reacting to just how much damage can happen when people are not paying attention to the road. Having something else distracting them will do nothing but help increase the risk of accidents. With rise of auto accidents, it is important to make sure you are completely covered with the best NJ auto insurance. The auto accidents increase due to Pokemon Go may be something to worry about.
A Vulnerable Group
Some of the least experienced drivers are those who are young and have just gotten their licenses. This makes a lot of sense, especially when you look at car insurance companies and the rates they provide for people under the age of 25. It is not uncommon for new drivers 16-18 to pay more than twice what their parents will be paying for coverage. This only goes down when near 25. The reason for this is that the brain is not completely developed yet. It is easy for kids to lose track of things, stop paying attention, and lose control of the car. In addition, the rates among young men are particularly high as many will combine the need to drive aggressively with the inexperience of only having been behind the wheel for a short time. Those who are younger are also the most likely to be playing Pokémon Go. Combined, this vulnerable group finds itself in particular trouble when playing a game that grabs your attention and keeps you from paying attention to the world around you.
So, what about this game causes people to look away from the road? Pokémon Go is unique in that it is the first highly successful game for mobile devices (think phone) that uses GPS and location software to play. The goal of the game is to head out into the world around you and look for Pokémon. You can see them from a little distance away and then use the augmented reality to capture them. Doing so will add the Pokémon to your collection and result in you being able to train them yourselves. Pokémon Go is wildly successful because the central theme of Pokémon is exploration and acquisition. Both of these things require that you pay attention to your phone while out and about. While this is great for leaving the house, it will put people at risk when they are driving if they are not paying attention. Be aware that the claims, auto accidents increase due to Pokemon Go is based on actual incidents and not just speculation or fear.
Pokémon Go Road Crash
One of the most notable accidents caused by Pokémon Go occurred in Auburn, NY. Occurring at 10:45 at night, the accident occurred when the driver smashed into a tree. Injured while playing Pokémon Go, the driver survived with nothing but his car and his ego bruised. Incidents such as these are only increasing in frequency as more and more people play while driving. It may not be long before ‘death by Pokémon Go’ is something we read in the news.
In the UK, a major highway crash occurred when a driver stopped his vehicle in the middle of a highway to catch a Pokémon. Showing an incredible lack of awareness for the world around him, the individual was more focused on his augmented reality game than the vehicles speeding by him. His actions directly led to a major accident that took quite some time to get off the road. It would be hours before traffic was restored to the road.
With less than a month at this point, the number of accidents are expected to rise. As we’ve mentioned before, more and more people are getting into Pokémon Go. With the demographic hovering around new drivers, more and more people will end up behind the wheel and in accidents because of this game. Be sure you are completely covered against accidents with the best NJ auto insurance.
Is It The Fault Of Pokémon Go?
So, is it the fault of the Pokémon Go game or someone elses fault? The decision you come to depends on how you see the facts. Pokémon Go is the first game where augmented reality is really popular. It is the first game that brings droves of people out into the world. It is the first game has led to millions of people going all over their communities. Simply put, there has never been a precedent before and it can be very challenging to predict things when there are no previous examples.
Pokémon Go can be found at fault for putting Pokémon on things like roads or highways or private property. The challenge is that even when the creators of the game use maps that single out these locations as places where Pokémon cannot go, issues with GPS and tracking can sometimes put Pokémon where they are not supposed to be. So even when Pokémon Go’s creators are on the ball, the existing technology does not yet support very precise locations.
If blame is not placed on the game, then where else should it be placed? As we saw with the recorded accidents, a lot of blame rests on those who decide to act foolishly. Kids are told about the dangers of not having your attention paid to the road ahead of you. Ignoring that, they take the risk and responsibility into their own hands. They potentially endanger those around them including themselves every time they take their eyes off the road. What many people need is to be told again the importance of paying attention to roadway instead of their devices. As campaigns have done a good job in curbing cell and texting use in the past, they may be able to be adopted to stop people from playing games as well.
Accidents Are Bad, But Exercise Is Good
For roughly 8 years, the wife of the President of the United States, Michelle Obama, has worked to raise awareness of issues including childhood obesity and the need to exercise. What Pokémon Go has managed to do in only a month is bring far more children from every walk of life into their communities as they hunt for Pokémon. Getting exercise, exploring their community, and engaging in a fun and exciting game, Pokémon Go has led to millions of kids going and getting the exercise they need. Even if a few careless individuals get into trouble, the net benefit can still be seen as positive.
Where Does That Leave Us?
Does the claim that auto accidents increase due to Pokemon Go, lead to more potential injuries? Absolutely. Are the rates at a point where serious action has to be taken? Good question. In the end, all we can do is wait and see. Over the next few years, augmented reality games will become increasingly popular. Whether or not Pokémon Go is a fluke or the new normal will take some time to figure out. Taking action then may have to wait.
If you are serious about getting your hands on only the best plan to protect you, your car, and your financial future – the kind of coverage that only the best NJ auto insurance companies have to offer – you need to make sure that you avoid all of the pitfalls and dangers that we are outlining for you below.
By the time you’re done with the inside information we offer below you won’t have anything to worry about and will be able to fast track the process to purchase the policy around!
Make sure you completely understand the coverage you are going to be paying for
A lot of New Jersey drivers have absolutely no idea about the coverage that they are protected by when they are driving along the roads of America, simply because they haven’t read all of the information provided to them by the NJ auto insurance companies they are working with.
You cannot afford to make this mistake.
If you don’t know about the coverage that you are paying for you can make a major mistake, or you may end up paying for more coverage than you need – or (potentially even worse) paying for a lot less coverage than you deserve.
Never sign on the dotted line without first shopping around
The only way to be sure that you are working with the best around is to shop around, looking into the offers provided by at least four or five different companies to make sure that you really aren’t getting a top-of-the-line deal – the best coverage at the best possible price.
Too many people get suckered into paying a lot more for coverage than they should be simply because they didn’t take the time to really research all of the options that they have available to them.
Understand that you and your vehicle may not be completely covered in every situation
It is of the utmost importance that you not only understand exactly what you are covered for but also which situations your policy will not protect you in.
Companies like to try and “hide” this kind of information in your policy, always looking for ways to make it look like you have access to more coverage than you really do. You want to ferret out these details before you sign on the dotted line so that you were sure to get top-flight coverage from a top-flight company at a fantastic price.
DO NOT purchase the minimum amount of coverage and then hope for the best
A lot of companies promise ridiculously low prices on their coverage, but you simply cannot make a policy purchasing decision based solely off of the money that you are asked to pay for your policy.
If you go this route you are sure to save a lot of money upfront, but you’ll almost always pay a lot more in the long run – especially if you ever have to take advantage of your policy and find that your cut rate coverage isn’t worth a dime!
Instead choose coverage that offers the best value, the perfect blend between price and protection, so that you aren’t breaking your bank account but that you aren’t driving around with terrible coverage, either.
Be sure that you ask about supplemental coverage options that may be available at a discount
A lot of people go is a baseline level of coverage just because it is the cheapest route to take, but you will want to ask your NJ auto insurance company about any supplemental coverage that they are able to throw in for next to nothing.
These companies are happy to offer you supplemental coverage at a dramatic discount mostly because so few people take advantage of them, but you’ll be able to increase your protection dramatically for next to nothing. It never hurts to ask.
Purchase the most valuable auto insurance, and not just the least expensive
As we touched upon briefly, you need to be sure that you are purchasing only the most valuable policy and not just the least expensive offer you’re able to find from NJ companies.
Value is the name of the game. Remember, you are looking to protect your vehicle, your property, yourself, and your financial future.
You almost always get what you pay for.
Try to prepay as much of your NJ policy as possible
If you have the opportunity you should really try to prepay for as much of your policy as humanly possible.
A month to month payment plan with most companies will almost universally result in you paying more for your coverage than if you had offered to prepay say six months of your coverage in advance. Companies are always willing to offer a deal to get their hands on cash up front, as they know some people are inevitably going to “skip out on the bill”.
It is critically important for you to understand that there are some legally mandated New Jersey auto insurance requirements that you need to meet when purchasing protection for your automobile, and that if you aren’t hitting these requirements you are opening yourself up for all kinds of liability down the line.
Thankfully, the majority of the completely legitimate and reputable companies that operate in New Jersey are well aware of these legal mandates and they will make sure that you are always protected by a plan that hits the minimums.
At the same time, it really is your responsibility to make sure that you are completely covered and if you aren’t any legal repercussions are going to fall on your shoulders and that the shoulders of your company.
Here is some important information to remember regarding New Jersey auto insurance requirements and make sure that you are getting the best possible coverage at the best possible price without opening yourself up to any extra exposure than absolutely necessary.
Most “baseline” New Jersey auto insurance plans will hit the legally mandated requirements
As we touched upon briefly above, it is vital to remember that the overwhelming majority of “baseline” plans offered by companies operating in the state of New Jersey are going to hit all legally mandated requirements.
You just aren’t going to find too terribly many companies that are going to think it is a good business decision to expose their customers and their clients to all kinds of unnecessary risk or liability. It’s just not good for business.
At the same time, you never know when you are going to come across representatives that will do some pretty unscrupulous things to get you cheaper protection without telling you what front that you may be in violation of the requirements.
This is why it is so valuable for you to pay attention to all of the specific details regarding your plan and your policy, but that you also focus in on the fine print of your protection plan and that you are meeting the mandates that you need to hit.
You almost always want to add ancillary or optional coverage to protect you from serious injury or liability
Of course, baseline coverage isn’t always the most valuable coverage that you’re going to be able to take advantage out which is why you’ll want to shop for better deals that offer better than baseline coverage at incredible prices.
There are a lot of different ancillary or optional coverage components that you will be able to take advantage of, but you’re going to need to investigate the components as they become available.
Speak to your agent about the specific options that you’ll have the chance to take advantage of, but make them aware of the fact that you want to add extra coverage options without blowing up your budget along the way.
Here are some of the specific requirements you need to be sure your plan meets
The state of New Jersey has a number of policy requirements that you need your plan to meet to be “road legal”, including:
$15,000 worth of bodily injury liability per person
$30,000 worth of bodily injury liability per accident
$5000 worth of property damage liability per accident
$15,000 worth of personal injury protection
As we have touched upon numerous times in this guide, these are the baseline and minimum levels of coverage then you need to meet according to the requirements. Obviously, you’ll want to make sure that you carry significantly more coverage – especially since we live in such a tremendously litigious society.
Make sure that you aren’t paying for any extra coverage that you won’t need
At the end of the day, it is critically important that you find the best New Jersey auto insurance that will meet your specific needs and your budget without ever paying for any extra coverage than necessary.
A lot of people are surprised to learn that the policies that they are offered from companies are filled with extra layers of coverage that really aren’t all that necessary, though they are “bundled” into deals without customers being aware of the fact ahead of time.
You’ll want to be 100% certain that you are able to create your own package that offers the perfect blend of coverage and price, and you’ll need to be sure that you are still hitting your requirements.
Using the inside information that we’ve provided above you shouldn’t have anything to worry about when it comes time to make this kind of important purchase going forward!
Pretty much every single auto insurance company in the United States offers a handful of different discounts that you were going to be able to take advantage of, deals and special offers that allow you to save more money on your auto policy they knew would have been able to otherwise.
At the same time, there are a lot of funny practices in the industry that give these companies the chance to kind of bait and switch customers into believing that they are getting a better deal than they actually are – and you need to be on the lookout for these kinds of offers.
Thankfully, there are a lot of New Jersey auto insurance laws that prevent companies from acting like predators when dealing with their clients, and you’ll want to make sure that you are always getting a fair shake from your company or else you need to report them to the proper regulatory body.
Here are some important things to remember regarding New Jersey auto coverage discounts in particular, making sure that you’re able to save as much money as possible on coverage without running afoul.
Not all discounts are created equally
The first thing that you have to understand is that New Jersey auto companies are in business for the same reason that every other operation is – to make as much money as possible.
There is a tremendous amount of regulation and a lot of New Jersey auto policy laws that they have to abide by, but for the most part they are able to kind of write their own rules. This is why you need to make sure that you are doing as much as humanly possible to save on your automobile coverage, but also why you need to make sure that you are researching multiple options, multiple companies, and multiple packages so that you don’t get hit with any curve balls along the way.
It isn’t at all uncommon for car companies to offer different kinds of discounts in an effort to confuse you into taking one that seems like it offers you the best savings opportunity on the surface, only to discover later that it isn’t anywhere near as significant a discount as you have been led to believe it to be.
Be on the lookout for these kinds of companies, and don’t be shy about reporting them for violating New Jersey automobile policy laws if they cross the line.
Not all discounts will “stack” with one another
At the same time, you need to make sure that you are aware of the New Jersey automobile laws that determine whether or not you’re able to “stack” particular discounts with one another to leverage the highest level of savings possible.
Most companies will tell you that you were only going to be able to take advantage of one discount or another, but that may or may not be true – depending upon the specific situation and the specific rules and regulations in place.
You always want to stack as many car coverage discounts on top of one another as possible to really boost your savings across the board, and you don’t want to be intimidated by companies that tell you that New Jersey auto insurance laws prevent you from being able to do so without actually verify the veracity of this statement.
New Jersey auto insurance laws prevent companies from baiting and switching discount deals
On top of that, it’s critical to understand that there are laws in place to prevent companies from baiting and switching different discount deals to get your business by some kind of trickery.
If you have been promised a specific deal or a specific discount – especially if you have signed a contract specifically because of that deal or discount – you need to be 100% certain that your company is going to honor the agreement.
If they do not, don’t be shy at all about bringing this up to different regulatory bodies to make sure that these companies are punished for the violation of New Jersey automobile policy laws.
You’ll always get the best deal when you contact insurance companies directly
At the end of the day, you are always going to be able to get your hands on the best possible deal and the best possible discount when you contact companies directly.
Do as much of your research in the initial phase as you can on the web, but don’t be shy at all about contacting these companies via the phone to ask for any hidden or unadvertised discounts that may be made available to you specifically.
As always, make sure that these companies are playing according to the rules, regulations, and the laws already on the books and that you’re always getting the best deal possible!
If your goal has always been to get your hands is the cheapest New Jersey car insurance rates around without having to sacrifice your car coverage protection or coverage, you need to make sure that you have access to as much “inside information” as humanly possible.
Believe it or not, getting your hands on the best car policy boils down to a lot more than simply jumping online, spending a couple of minutes searching for options, and then choosing the lowest priced New Jersey car policy rates.
You want to be sure that you are protecting yourself with a policy that gives you and your loved ones just the right amount of coverage, the kind of coverage that keeps all of you safe without you having to sacrifice your financial future along the way.
The best way to be sure that you are getting your hands on the best New Jersey car insurance rates AND the best car coverage is to avoid the mistakes and missteps that we outline below. You’ll be able to avoid common traps and pitfalls but you’ll also be able to purchase a plan with fantastic rates and just the right amount of coverage.
Now let’s dive right in!
Make sure you understand absolutely EVERYTHING about the coverage that you are purchasing
A lot of people have absolutely no idea about the specifics behind the coverage than they have purchased to protect themselves and their vehicle, and that’s a major mistake.
If you don’t know exactly what you are protected for, what you are protected against, and whether or not you are going to be able to make it through a claims process without crippling yourself financially, you have purchased the wrong kind of policy.
The cheapest car policy rates around are usually going to scrap you with bare-bones coverage that isn’t worth the price you have to pay, which is why you need to look for the most valuable coverage you can find.
You MUST shop around!
You would be shocked at the amount of people that do not compare at least three over there and ideally five or six) different car policy rates before they sign on the dotted line and the trigger on this kind of purchase.
It really all boils down to laziness, however. We are told that we are going to be able to find the lowest possible prices on car policies in just a few seconds of research online, but that really isn’t the entire truth.
Without shopping around and making sure that you have gotten quotes for New Jersey car insurance rates from multiple different organizations you’ll never know whether or not you’re moving forward with the best deal available or if you are taking it on the chin without even knowing it.
You should look into different car coverage prices even as you are already carrying a current policy. You want to be certain that the company you are working with is giving you the best deal around or you want to jump ship and take advantage of better offers as they become available.
Don’t get fooled into thinking that some coverage protects you against everything that can happen
A lot of drivers in New Jersey (and pretty much everywhere else, for that matter) get suckered into thinking that because they have a minimum level of automobile coverage they are covered against pretty much anything and everything that happens to them in their car.
Auto companies like to perpetrate this myth by calling many of their policies “full coverage” policies – without actually providing you with the kind of complete and comprehensive protection you need and deserve.
Thankfully though, with just a little bit of extra research – and a compromise for paying a little bit extra when it comes to car coverage rates – you’ll be able to get your hands on the best possible policy around at a price point that never threatens to break your bank or your budget.
Whatever you do, do not purchase minimum levels of coverage and call it good
A lot of people get pressured into purchasing the lowest New Jersey car policy rates around simply because they don’t want to fork over any extra cash whatsoever to protect their vehicle, and that’s understandable.
Most people have zero interest in getting conned out of any extra cash, but you have to realize that when you go with these they spent level New Jersey car insurance rates you are getting the least amount of protection available.
That will inevitably come back to haunt you, and when it does, it can put you in a really dangerous financial position.
Thankfully though, by doing a little bit of extra research you should be able to get comprehensive coverage for next to nothing – landing the kind of protection that you deserve and the kind of protection that will keep you safe no matter what.
The overwhelming majority of New Jersey drivers understand that there are a couple of big factors that all auto companies look at the when it comes time to charge you for your NJ auto insurance.
We are talking about:
The kind of car you are driving and its condition
Your driving record and any blemishes and
Whether or not you’re able to bundle coverage together with one company
At the same time, the overwhelming majority of people that have NJ auto insurance are completely and totally unaware of a number of key considerations that these companies pay attention to that dramatically impact the amount of money you have to spend on coverage – details that you might never have thought would have any bearing on your bill whatsoever.
We are going to break down some of those details below and hopefully point you in the right direction in how to avoid those hits to your wallet.
Let’s get right to it!
Are you single?
According to information published by the Consumer Federation of America, major companies all over the country – and New Jersey companies alike – have a tendency to charge a lot more for customers that are single as opposed to those that are married.
You are definitely going to want to raise a couple of eyebrows when your car company wants to know your marital status before they will provide you with any NJ policy quote, and you’re going to want to make sure that you talk to a representative so that this kind of meaningless detail has no impact on the amount you’re charged for policy.
Are you a renter?
If you rent your home, you are usually going to be able to save quite a bit of money – you don’t have to pay property taxes, you don’t have to pay for maintenance, and you don’t have to worry about repairs or upgrades – but you are going to have to pay about 6% more per year for car coverage than people that own homes do.
This is according to the same information published in the report we mentioned above by the CFA, and is something that you aren’t going to have a tremendous amount of control over. At the same time, it may be worthwhile to talk to your NJ company before you sign on the dotted line and ask them about whether or not your homeowner status is going to have any impact whatsoever on the amount of money you are asked to pay for car coverage.
Have you been with one NJ auto insurance company for quite a while?
A lot of people are under the impression that they are going to be able to save a lot of money when they stick with one NJ auto insurance company for a considerable amount of time.
Nothing could be further from the truth.
NPR recently conducted a report to find out just how much money loyal customers of a particular company were able to save, only they found out that in the majority of cases these people weren’t saving ANY money at all but instead of paying almost 15% more.
This was a pretty shocking turn of events that really caught people off guard, and it’s easy to see why. You’d think that regularly keeping your business with one particular organization and paying your bill faithfully every month would entitle you to a considerable discount, but that’s just not the way that things shake out.
If you do want some kind of loyalty discount you need to bring it up with your agent and specifically request that they drop your coverage costs or lose you to someone that will.
How is your neighborhood?
NJ companies aren’t just going to consider the flanks or time of your daily commute and the condition of your car but are also going to consider how “good” your neighborhood is at home and at work.
If you’ve been in a nasty part of town – or if you work in one – you can expect to spend close to 7% more on car coverage than if you had lived in a nicer part of the city. A lot of people are surprised to learn about this “extra charge”, but it makes sense.
Those that live and work in higher crime areas are more likely to have something happen to their vehicle, are more likely to utilize a policy and therefore are asked to pay at least a little bit more for coverage.
How is your credit score looking?
Another surprising detail that will impact your coverage costs is how your credit score health is shaping up.
Those with fantastic credit are going to be able to save quite a bit of money on car coverage while those with less than stellar credit will almost always pay more. It’s another thing to ask your NJ auto insurance company about.
Trying to find the best NJ auto insurance available is nowhere near as simple or as straightforward a process as it probably could or probably should be.
In fact, the process can be downright impossible to navigate, especially considering all of the different offers you’re going to have to pick and choose from.
It’s enough to make anyone go crazy!
But that’s why we have created this quick guide.
Using all of the inside information we are able to share with you below you shouldn’t have any trouble at all finding the best NJ auto insurance policy for your specific needs – the kind of auto policy that gives you complete and comprehensive coverage without you ever having to worry about paying a penny more than necessary.
Shall we dive right in?
Breakdown national and local company offers
The very first thing you need to do is compare and contrast the different policy offers you’re going to come across from both national and local companies.
National car companies are usually able to offer the very best possible prices as far as coverage is concerned, if only because they have so many different customers paying into their policies from around the country.
Local companies, on the other hand, usually offer much better service because they are part of your neighborhood and your community. You might have to pay slightly more as far as your premiums are concerned, but many times this extra investment is well worth the extra cost.
Always look for the best value and not necessarily just the lowest price
Of course, when you are comparing policies you need to be sure that you aren’t just looking at the final price tag for these policies but instead of the actual value that you are going to be able to get out of this coverage.
There is nothing worse than spending money on car coverage that isn’t going to be able to offer you fantastic protection, no matter how cheap that policy may seem on the surface.
It is always valuable to dig into the actual nuts and bolts of a particular policy to find the kind of coverage that gives you incredible protection at a fantastic value. Yes, you may have to pay a little bit more for the best protection out there, but it is almost always well worth it.
Make sure that you ask for any available discounts (including “hidden” discounts)
At the same time, you need to make sure that you are always taking as deep into these NJ auto insurance offers as possible to find the kind of deep discounts that most companies refused to advertised to the general public.
Ask about good student or alumni discounts, ask about military organizational discounts, ask about safe driving record discounts, and be sure to see and you can substantially reduce the amount of money you have to pay for coverage by prepaying a large chunk of your coverage in advance.
Use quotes from other NJ companies as leverage
The Internet is going to be a very valuable ally when it comes time to research policies, but it’s also going to be a fantastic source of leverage that you’ll be able to use during the negotiation process.
By getting information about policies available across the state you are going to be able to use those hard numbers when speaking with other companies, getting them to offer you in even better deal than their competitors so that you come out on top.
Jump on the phone to unlock even more substantial deals and better offers
And even though the Internet is going to definitely help you streamline and simplify the purchasing process, you will only ever be able to unlock fantastic discounts if you choose to grab the phone and speak to an agent directly.
By speaking to these agents you’ll be able to find out about substantial deals and discounts that may not be displayed online, and the back and forth that you have with this agent may result in your auto prices going down even further!
Put your policy up for review every six months or so
It is always a good idea to put your policy up for review every six months or so if only to squeeze and even steeper discount out of your company on a regular basis.
Always be on the lookout for a better deal, always research better offers from other companies, and always use this extra leverage to save as much money on your policy as humanly possible!
Trying to find the best car insurance in New Jersey is nowhere near as simple or as straightforward as some people would make the process out to be – and that’s going to be a big headache for those that want to be able to protect themselves, their property, and their loved ones without ever having to worry about breaking their bank account along the way.
Trying to find good to go insurance NJ packages that offer you the perfect blend of protection and price can be a little bit of a nightmare. We know this to be true, and that’s why we are going to share with you all kinds of inside information in this quick guide to help you unlock the very best coverage available at prices that you’ll really appreciate.
These are four not so obvious ways that you will be able to get the cheapest car policy without sacrificing protection, the kind of good to go coverage you deserve while you are driving the roads of New Jersey and the rest of America!
Here we go.
Purchase a different car
You might be dead set on getting one specific type of car with your next purchase, but you may want to research your options just so that you are sure you cannot purchase a different car that’s almost identical to your “dream vehicle” but offers you the chance to pay a lot less for your policy than you would have had to otherwise.
A lot of people are surprised to discover that it can be significantly cheaper to protect an almost identical vehicle with the same level of coverage, but it’s the truth. There are certain brands and certain makes and models that have a better reputation for safety, security, and performance, and when you decide to move forward with those cars instead of more “high risk” vehicles you’ll be able to save yourself a boatload of money along the way.
It is definitely something to consider, especially if you aren’t “married” to purchasing one particular type of car over all the rest.
Clean up your credit report
Secondly, you are going to want to be 100% certain that your credit report is as clean and as crystal-clear of blemishes as humanly possible.
Most people have absolutely no idea that their credit report has such a tremendous impact on the amount of money that they have to spend on automobile coverage.
Most people are the impression that the type of car and their driving record determines how much they spend on good to go insurance NJ companies have to offer, never realizing that these companies look into almost every aspect of your life – including your credit score – before they determine how much money you have to shell out to get coverage from them.
Obviously there are a lot of significant benefits that you are going to be able to take advantage of when you clean up your credit report, but one of the “hidden” benefits is that you were going to be able to pay considerably less for your plan you would have had to in the past.
Take the necessary steps to repair your credit as best you can and make a real commitment to keeping your credit nice and clear and you won’t have anything to worry about whatsoever.
Dump all kinds of extra coverage options
Too terribly many drivers in New Jersey purchase good to go insurance NJ companies have to offer never realizing that they are paying for a lot of extra coverage that they just don’t need and likely won’t ever have the opportunity to take advantage of in the first place.
You need to be completely certain that you aren’t one of those people!
You are going to want to really try to zero in on the kinds of deals and offers that give you the chance to purchase quality coverage that provides you with fantastic protection, but never more protection than you need – and certainly never more protection than you can reasonably afford.
Don’t completely strip your coverage down to the studs, however. That’s how people cripple their financial lives after just one accident.
Prepay as much of your insurance in advance as possible
Lastly, you’ll want to try to make sure that you are pretty paying as much of your good to go policy NJ companies offer in advance.
Those that prepay their coverage are usually able to save anywhere between 10% and 20% off of their “normal” policy costs – not exactly an insignificant sum.
If you can prepay six months of coverage you’ll be able to save quite a bit of money, and if you can prepay an entire year you really ratchet the savings right up through the roof. That’s how you get the best good to go insurance NJ companies can provide!