There are many different laws about car coverage, depending on which state you live in, and New Jersey is no exception. The rules in the state are quite clear. A driver can choose between basic, traditional, and no fault car insurance in New Jersey.
You are able to choose whichever kind you want, but you must be insured. To make sure that affordable policy is available to all, there are special rules regarding basic policies, which has less coverage in many aspects but is quite affordable overall. Here is a breakdown of the different types, with their strengths and weaknesses.
Basic Car Insurance
As the name suggests, this is the most basic of all policies. It is designed for people that are just starting out on their own or teenagers who are new to the world of driving. It offers coverage in all the right places and protects you if you have an accident or if you injure yourself or someone else. The downside is that it is a bare bones version of coverage, so you may have to end up paying out of pocket if the wreck was your fault or someone’s damage was severe. However, this option won’t break the bank, does offer some coverage on major things and will keep you from getting in trouble for not having a policy.
Traditional Car Insurance
Traditional car coverage is what most people aim for, especially if they are mature drivers or have incomes that can sustain them. This type of policy is just like basic, except for the fact that it has far more coverage. This means you are covered when you get into an accident and you can decide what amount of coverage you want in different aspects of the policy, like injury protections or liability. This is the type of coverage you need if you have children that are often in your car or a more expensive automobile that you will need fixed in a hurry if there is ever a problem. The downside is that the policy is more expensive, but it does keep you protected better as well.
No Fault Car Insurance
Some people have a no fault car policy in New Jersey. This means your coverage allows you to either get your car fixed or allow your company to handle the other person’s bills. Most of the time this translates to a driver who was at fault for an accident, getting their own car fixed and the other party in the accident being on their own. There is no other recourse in the state, unless the injury sustained meets a certain set of parameters. Otherwise, even if the wreck was technically not your fault, you will have to pay for your repairs and medical bills out of your pocket. This can be rather confusing and frustrating, but it is the reason you have a policy in the first place.
If you are confused about how this works, you should research the laws for the state of New Jersey. That will ensure you have a better understanding and can abide by the rules.
Although there are 3 major types of policies you can choose from, you do need to be aware of the pros and cons of each, which means sitting down with an agent and discussing what plans you can choose from and what they will cost you.
If you decide you want to purchase no fault car insurance in New Jersey, you will also need to know how the whole process works. You should always find out the details ahead of time because by the time you get into an accident, it’ll be too late.
A good rule of thumb is to always try to get as much coverage as you can for your money. That means if you can afford a little extra, you should get it for your own peace of mind. Accidents aren’t always minor, so you have to plan ahead for a major one.
Car coverage isn’t hard to figure out but there are certain rules to follow which change depending on where you live. For example, many people take advantage of no fault car insurance in New Jersey, which is a special type of coverage that isn’t used all over the country.
There are also other types of policies to choose from, which vary in features and prices. You must look into all the details of each type of policy before you make a decision and make sure that you have at least basic coverage so you can be in accordance of the state rules. Besides that, all you can do is be a responsible driver. You have no control over everyone else on the road, but you can control yourself.
It is critically important for you to always work with the best NJ car insurance companies around, but you need to take advantage of critical tips and tricks to enjoy the most substantial discounts available – and you need to make sure that you know your research and due diligence out of the park to save as much money as possible as well.
In order to help you speed up the process (as much as possible, anyway) we have put together this quick guide to not only help you find the best NJ car insurance companies around but also to make sure that they are giving you the best deal on coverage at the same time.
Hopefully you find all of the inside information we are able to offer you below useful!
Drive as safely as humanly possible
A lot of people understand that their driving record is going to have a tremendous impact on the amount of money that they are charged when it comes time to pay for car coverage but not quite as many understand that a history of safe driving entitles them to fantastic discounts that simply wouldn’t have been made available previously.
If you want to really save as much money on car policy you not only need to work with the most reputable NJ companies around, but you also need to be sure that your driving record and your driving habits are as safe as possible.
Drop any extra coverage options you just don’t need
Secondly, you need to be sure that you aren’t paying even a single penny more for extra coverage that you simply do not need and then you won’t ever be able to take advantage of.
Even the most reputable NJ companies have a tendency of bundling extra levels of coverage that aren’t all that necessary and really aren’t all that useful – extra coverage options that you have to pay for but coverage that you’re likely never to need.
Cut all of that fat from your car policy and you will be able to save a boatload of money on your premiums!
Drive a cheaper car
Certain vehicles are a lot less expensive to protect with coverage than others, and you’ll want to think long and hard about the kind of car that you are going to purchase before you take the plunge.
A lot of people do tremendous research and due diligence before they purchase a car just to make sure that they aren’t getting swindled, that the car they are buying is in fantastic condition, and that they aren’t being sold a lemon – but a lot of people stop their research they hear when they should be looking into how much it’s going to cost on average to insure that particular car against comparable options.
Believe it or not, certain makes and models of particular cars can be tremendously less expensive to protect with coverage even though they are virtually identical to other cars on the market.
Make sure that you know exactly what you’re getting into as far as a policy is concerned before you dive right in.
Boost your deductible as high as you comfortably can
If you want to be able to save a lot of money immediately on the car policy you get from top-notch NJ car insurance companies, all while keeping the same level of premier coverage you are enjoying already, you want to boost your deductible as high as you comfortably can.
According to information published by the industry, New Jersey drivers that raise their deductible from just $500-$1000 are able to save almost 10% on their annual car coverage costs.
Imagine how much money you’d be able to save if you bumped your deductible up to $1500!
Unlock hidden insurance discounts
Pretty much every one of the NJ car insurance companies out there offer hidden discounts and deals that you’ll be able to take advantage of if you inquire about them. All you have to do is contact one of the car company agents directly and inquire about these particular offers and you’ll be off to the races!
It really is that simple and that straightforward to “uncover” these hidden discounts, and when you take do you could conceivably save anywhere between 10% and 20% just by asking about them!
Always shop around
At the end of the day, the only way to be completely certain that you are getting the best coverage possible from the best NJ car insurance companies around is to compare all of the different offers that these companies provide.
Jump online, do a little bit of research, and you’ll be able to find out exactly how much you should be spending on a policy – but you’ll also be able to use that information is leverage during negotiations to get an even better deal.
You will have a pretty tough time finding too many people in New Jersey (or anywhere else, for that matter) that don’t have a problem with shelling out a ridiculous amount of money each month for car insurance – coverage and protection that they may never use!
We won’t say it’s throwing away money, but only because if you do ever have to take advantage of top-notch NJ protection you need to be 100% certain that you have it under your belt!
At the same time, there is absolutely zero reason whatsoever to blow any more money on NJ car insurance policies than absolutely necessary. We are going to share with you some tips and tricks that can help you save a boatload of money on your car coverage – way more money than you ever would have been able to all on your own.
Let’s dive right in!
You absolutely HAVE to shop around
It is going to be impossible – and we mean IMPOSSIBLE – to save any money whatsoever on NJ car insurance without really doing all of your due diligence and shopping around.
The overwhelming majority of people out there have a tendency to take advantage of the first deal that they come across, getting their hands on any offer that promises to be the best they’ll find anywhere – letting the companies do all of the heavy lifting for them.
If you take that kind of approach your post guaranteeing that you will be taken advantage of, and you had better believe that you’ll never get a great deal on coverage at all.
What you want to do instead is really focus on getting your hands on at least three (and hopefully five) different NJ car insurance quotes from different companies and organizations in the state or nationwide so that you are able to understand exactly how much money companies are charging – and whether or not you first quote is in the ballpark.
The Internet has made it effortless to do this research, but you still need to make sure that you are going to be able to compare quotes accurately. Make sure that you are including as much information as humanly possible in these quotes, and make sure that the coverage levels are as close to equal across the board.
It’s the only way to be sure that you are getting the best prices!
Don’t be afraid of leveraging this information during negotiations
At the same time, you aren’t going to be able to get the very best prices on NJ car insurance unless you are willing to do a little bit of heavy lifting – and that means going toe to toe against the companies while asking for the best possible price and then asking for an even better one.
You’ll want to use all of the information that you have been able to leverage from companies through their quotes against other company offers – and you’ll want to try and squeeze as much money out of these companies as you can.
Don’t feel bad about this kind of approach, either. A lot of people get squeamish when it comes time to ask for a better deal than most people get, but that better deal is going to be possible simply because the overwhelming majority of folks purchasing NJ car insurance aren’t going to take the extra step necessary to negotiate for better rates.
Trust us – the companies can afford to give you a fantastic deal. They are making up for it (and then some) off of other drivers!
Play hardball with your current NJ car insurance company
It is always a good idea to ask your current company for a better deal every six months to a year or so, has you’ll be able to use your brand and business loyalty – not to mention any other policies you have under the same roof – as leverage to unlock significant savings.
These companies know exactly how expensive it is to try and get people to become customers with them in the first place, and they want to lose as few of them as possible to their direct competitors.
When you come to them with a proposal that you pay less for your company they will almost always offer you some kind of deal to stick around – but the deal will ALWAYS be better if you tell them that you have already begun to research different offers and opportunities.
Take a little bit of time to do research on new car coverage offers and then use that information as leverage to get better deals from the company that you have been with all the law.
You may be surprised at the amount of money you’re able to save just by shopping around like this!
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”.
Believe it or not, getting your hands on the cheapest auto insurance in NJ without having to compromise your coverage is a lot easier than most people make the process out to be.
Sure, it isn’t exactly an effortless process by any stretch of the imagination – you’re going to have to do some research, you’re going to have to do your due diligence, and you are going to have to make sure that you negotiate hard, but at the end of the day you might be able to save a few hundred dollars to a few thousand dollars just by paying attention to all of the inside information we are able to share with you in this quick guide.
By the time you’re done consuming all of these secrets, you’ll know exactly what it takes to get a fantastic deal on car coverage in New Jersey without ever having to sacrifice safety or security.
Let’s get right into it!
The car you buy is the biggest determining factor in the amount of money you will pay for even the cheapest auto insurance in NJ
While there are a lot of different factors that are going to come into play when it comes time to purchase auto coverage, the biggest determining factor in the final figure of how much you are going to have to spend on auto coverage is the actual car you are looking to ensure in the first place.
Make no mistake about it – brand-new cars are more expensive to insure than older ones (with few exceptions), and sports cars or luxury cars are often times dramatically more expensive to insure.
Combine that with the fact that all vehicles are depreciating assets that lose their value on a daily basis and you’d have to be at least a bit crazy not to seriously consider purchasing a vehicle that will be inexpensive to ensure it offers the exact same kind of utility as the brand-new one that would cost you an arm and a leg.
You have to set your deductible intelligently
Most people understand that higher deductibles allow them to reduce their monthly premium prices (often times dramatically), but a lot of people aren’t comfortable jacking up their deductible to anything above $1000 in case they have to pay that price out-of-pocket before they are coverage kicks in.
You are going to want to consider how often you have had to leverage auto coverage in the past, what your driving habits are like, how “nice” your neighborhood is at home as well as around where you work, and a handful of other details to figure out exactly what you need to do when it’s time to set your deductible.
The cheapest auto insurance in NJ almost always carries a high deductible, as that is going to deflate your monthly premium prices across the board. Increasing your deductible from $500 to say $1000 or even $1500 can help you save close to 10% on your policy every year – not exactly an insignificant amount of money.
Leverage as many “invisible” insurance discounts as possible
You are going to be shocked and the amount of discounts available to drivers in New Jersey that are serious about getting the cheapest auto insurance in NJ.
There are literally dozens and dozens of different discounts that you are going to have the chance to take advantage of, the kinds of discounts that can dramatically reduce not only your monthly payments but also your deductibles.
You’ll want to inquire about any and all “invisible” discounts provided by your company, and you will certainly want to make sure that you negotiate hard for the most significant discounts you can find.
Here are just some of the “invisible” discounts are available, the kinds of discounts that you just won’t find advertised all that often.
Good student discounts
Good driving record discounts
Good credit discounts
Employee or military discounts
Short commute and low mileage discounts
Safe vehicle discounts
Multiple vehicle/multiple policy discounts
Always try to prepay your auto insurance in New Jersey
Another great “invisible” discount you’ll want to look for is the prepayment discount that most companies are happy to provide. Companies have been burned quite a lot by people that just don’t pay their monthly premiums, and they are almost always happy to offer you a considerable discount on coverage that you are willing to prepay.
Prepay for six months of coverage and you might get to month some free, and prepay the entire year and you might get three months free. It really doesn’t get much better than that, and this is one of the best ways to get the cheapest auto insurance in NJ.
All smart and savvy business owners understand the value in making sure that they are expenses are as low as humanly possible without hindering their business at the same time.
At the same time, there are a lot of otherwise smart and savvy business owners that just do not pay as close attention to the cost of commercial auto insurance NJ plans – and then they end up wasting a lot more money than they should be on coverage that may not be able to protect them quite as well as they had hoped.
That’s why we have created this quick guide.
By the time you’re done with the inside information that we have to offer you below you are going to know exactly what you’re getting into when you purchase commercial auto insurance NJ plans to protect your business vehicles.
You’ll be able to unlock significant savings on your coverage – regardless of whether or not you have one car or an entire fleet that need to be covered – and you’ll be able to sort through all of the different options to give yourself the best deal you can get in the state of New Jersey.
Let’s get right into it.
Only hire employee drivers with crystal-clear driving records
It shouldn’t come as a surprise to anyone that the driving record of your company drivers will be looked at as closely as humanly possible, and that these driving records will have a tremendous impact on the amount of money that you have to pay.
Driving records are one of the biggest influencing criteria that you have to pay attention to when you are purchasing any type of coverage, but when you’re talking about commercial coverage you have to make sure that everyone that you employ – those that will be behind the you’ll come anyway – has a fantastic driving record so that doesn’t drag down everyone else.
This is something that you’ll want to look into during the hiring process, and you’ll want to try and find employees with crystal-clear driving records that allow you to get the best and least expensive commercial auto insurance NJ companies have to offer.
Make sure that you ALWAYS have continuous coverage
It’s also of the utmost importance that you do everything in your power to continue coverage on a regular basis with absolutely no breaks in between.
Most business owners are surprised to learn that lapses in coverage can “reset” they are relationship with commercial auto insurance NJ companies, and that those companies are going to charge them higher fees than they were in the past just because of these lapses.
You’ll almost always find companies and jack up the prices when there has been a break in coverage – not necessarily only with their company but also with their competitors – which is why you’ll want to be sure that you keep continuous coverage on all of your vehicles even if they aren’t being used as frequently as they were in the past.
In some circumstances it can be cheaper to keep continuous coverage on vehicles that never leave the lot the man to cut coverage and then try to restart it later down the line.
Ask your commercial auto insurance NJ representative for deals and discounts
As a business owner you are going to have a lot of leverage under your belt when it comes time to ask for deals and discounts from your representatives.
You want today can as much advantage of this leverage as possible, really squeezing the companies that you work with as much as you can to get better deals, better discounts, and better prices on your protection.
A little bit of hardball negotiating can go a long way towards making sure that you get better coverage terms and better payment plans, but you should also be able to dramatically reduce your out-of-pocket costs on policies with this kind of approach as well.
It never hurts to ask!
Keep a close eye on your company’s credit history and credit rating
Your credit rating and your credit history are going to have a major impact on the amount of money that you have to spend on your commercial auto insurance, and you need to be 100% certain that both of those credit factors are in as solid a position as they can be.
Obviously there are lots of benefits to keeping your commercial credit in picture perfect condition, but you may not have completely understood how valuable it can be when it comes time to get a commercial car policy.
Always shop around for better deals
At the end of the day, it’s always a good idea to do a little bit of shopping to make sure that you are getting the best deal and the best discount on commercial auto insurance available.
Put your policy “up for review” every year and you’ll be sure to get the best deal on the best coverage around, the kind of coverage NJ companies usually charge a lot more for!
The overwhelming majority of people in New Jersey – and everywhere else, for that matter – don’t even really think about purchasing car coverage until AFTER they have already purchased their car.
The buying process eats up a tremendous amount of time and requires all kinds of research and some pretty heavy hitting negotiation if you are to have any chance whatsoever to get a great deal on a slick right.
At the same time, this process usually burns people out so much that they never really spend time searching for only the best car insurance quotes NJ companies have to offer. This results in drivers saving a few hundred or a few thousand dollars on a new car, and then throwing away all of that savings when it comes time to pay the company.
Thankfully though, you can avoid a lot of bad headaches and hassle. All you have to do is work with the best coverage companies in the state to give you the kind of top-notch car policy quotes NJ drivers deserve – and that’s always possible when you commit to asking these four critical questions below.
How much would a similar car cost me to insure?
You might be surprised to learn that almost identical models – with identical mileage, identical age, and identical conditions – can cost a lot more or a lot less when it comes time to insure them, depending upon a handful of different key criteria.
A 2015 Ford F1 50 pickup truck can cost close to $400 more a year to insure than a 2015 Dodge Ram pickup truck, and that’s just one example!
It’s always a good idea to ask your auto dealer about this kind of information before you pull the trigger or sign on the dotted line and drive off the lot with it you are new car.
Am I going to have to pay for comprehensive and collision coverage?
A lot of people are pleasantly surprised to find a lot of auto policy quotes NJ companies have to offer are ridiculously low – far lower than their expectations ever would have had them at – only to be unpleasantly surprised to learn that those quotes reflect auto coverage that does not include comprehensive or collision protection.
If you are taking out a loan on your vehicle, you’re going to need to make sure that you have “full coverage”, which always includes both comprehensive and collision protection. This kind of policy is (understandably) considerably more expensive than coverage that does not cover this kind of protection – so it may be worth paying cash for a vehicle rather than shelling out extra money for this.
Should I purchase gap insurance?
A lot of drivers pay absolutely no attention whatsoever to gap coverage when they are purchasing brand-new cars, and that’s a big mistake.
This type of coverage protection provides drivers with extra coverage that makes sure that the entire vehicle loan is paid off, regardless of the value of the “initial coverage” that you are traditionally paying for.
New cars obviously depreciate in value the moment that you take them for a spin, and if your brand-new car is totaled the policy usually won’t pay for the full value of your car – simply because it was financed at brand-new prices.
Gap protection makes sure that you don’t have to absorb that financial blow all on your own, and the best car insurance quotes NJ drivers can find will include this type of coverage.
What kinds of liability will I be protected from?
Even though the overwhelming majority of people search out the best car insurance quotes NJ companies have to offer to make sure that their vehicle is going to be protected, you want to be 100% certain that you are also protecting yourself, your financial future, and any liability that you may have to incur if you are in an accident.
Top-notch protection will include coverage for liability, though you’ll want to be sure that the amount is satisfactory. $1 million worth of liability coverage is relatively cheap, and it is almost always more than enough coverage to keep you safe in the event of an accident.
At the end of the day, finding the best car insurance quotes NJ drivers deserve becomes a lot easier when you take advantage of everything that the Internet has to offer.
Google will be your best friend when you search for quotes to protect your vehicle and yourself, so make sure that you maximize all of the research options and potential the web can provide.
Just be sure that you know exactly what you’re getting into before you sign on the dotted line and you will be good to go!
You are going to be able to save quite a bit of money on your car insurance in NJ when you pick up the phone and spend just a couple of minutes talking to your agent directly.
Yes, the Internet has definitely made it a lot easier to shop around for car coverage – but you’ll never be able to find out about “hidden discounts”, different deals that may be time sensitive, or connect with an agent that connects you with a substantial discount you simply wouldn’t have had access to any other way.
Thankfully though, going about this process is pretty simple and straightforward. All you have to do is get a hold of the customer service department line for your car insurance in NJ company, ask to speak with your representative, and then follow all of the tips and tricks that we have outlined for you below.
Let’s dive right in!
Go to your car insurance in NJ company with a game plan
It is absolutely mission critical that you go into any conversation with agents with some kind of game plan to build off of, a plan of action that gives you every chance at coming out on top of this situation with dramatically reduced prices.
You need to outline your expectations, you need to be sure that you really stick to your script, and you need to be sure that you have as much information at your disposal as you can get your hands on to squeeze every discount out of his company as humanly possible.
The Internet is going to be your best friend when it comes time to find this information, and you’ll want to spend maybe an hour or two doing at least a little bit of service research to find out what you should be highlighting on this call to bring up with your agent so that you save more money.
Stick to the script
It’s also important to remember that employees of these companies have been specifically trained to get you off track, to misdirect you, and to offer deals and discounts that look good on the surface but aren’t really anywhere near as valuable as the ones you’re able to unlock when you really negotiate hard.
This is why you have to be 100% certain that you really stick to a script, that you really hammer these companies on a single track until you get the results and the savings that you are looking for, and that you remain persistent but respectful throughout the entire process.
A script lets you navigate these kinds of conversations without too terribly much effort, and helps you redirect the conversation when it starts to run off of the rails a little bit.
Always push a little harder for even more substantial discounts
The key to successful negotiation with any company that offer car insurance in NJ is to ask for a lot more than you ever would expect to get knocked off of your policy so that these companies can then counter with an offer that is right where you had hoped it would be – or even substantially better!
But this isn’t going to happen if you’ve just rolled over whenever the negotiating gets a little bit tough or a little bit contentious.
You want to be sure that you stick to your guns even if you start off with an initial discount offer that is absolutely outrageous, and you really need to make these agents feel like they are wearing you down and wearing you out while they are really just playing into your hand.
This is how you get the best car policy in NJ at prices that most people simply ever believe possible.
Don’t take no for an answer
Persistence is the name of the game when you are negotiating and you need to be certain that you are really pushing hard during the negotiating process.
There are definitely going to be times during this process that you feel worn out, that you feel worn down, and that you feel like you are on the losing end of a deal – but as long as you keep persisting in the quest for better prices on car coverage you will eventually come out on top.
Stick to your guns and you’ll beat these ridiculously high prices into submission!
Hunt for better deals for you approach your own insurance company
At the end of the day you need to be 100% certain that you are armed with as much information as possible when it’s time to negotiate for better deals and discounts over the phone, and that means that you need to be aware of the types of offers that are out there if you decide to leave your current company.
Hunt for fantastic deals first and then call your NJ representative so that you have the leverage to unlock the kind of discounts you’re after to begin with.