How to Get an Affordable New Jersey Auto Insurance Quote by Asking Question

By Naomi Jorgenson

Wouldn't you like to be able to save several hundred dollars when you got a New Jersey car insurance quote? If that's no important to you, stop reading! For those that are looking for affordable New Jersey auto insurance quotes, here are some of the best questions that will help you lower your rates.

For better or worse, the majority of us simply don't ask questions when we apply for a New Jersey insurance quote and accept what is being said. If you want to cut your costs and keep more money in your pocket, it's time to change that and ask questions and see what choices are available. Start by getting several New Jersey auto insurance quotes that will allow you to see all the options that are out there. Take a few minutes to get your insurance quotes online and you'll be able to complete this a lot more quickly. Make sure that you get at least 3-5 so that you can have a variety of quotes to review.

Once youve gotten your New Jersey car insurance quotes, you need to start reviewing your options. While you are doing that you want to make sure that you keep in mind several questions that might help you lower your premiums. While some may not apply to you right now, you can use this list for future auto insurance quotes and reviews of your policy.

Each of these areas are places to look for a possible discount in your New Jersey auto insurance quote:

* Is your deductible $250 or $500?

* What happens if its raised to $1000?

* By insuring two more more cars can you get a discount?

* Are you offering long term customer discounts?

* Have you been accident free for three or more years?

* No moving violations in at least three years?

* Do you qualify for a discount by having taken a driver's training course?

* Are there discounts for taking a defensive driving course?

* Do the anti-theft devices you have qualify for a discount and if you add more would they help as well?

* Can you get a low mileage discount since you don't drive much per year?

* Do the airbags that you have allow you to qualify for a discount?

* Are you driving with daytime running lights?

* Can you put your auto and homeowners insurance or renters insurance with the same company?

* Are your college students away from home?

Thats a hefty list of ways to save on your New Jersey auto insurance quote. Each one of them could save you between 5% and 20% on your premiums. With the quotes that youve gotten, see how many of them cover all the ones for which you qualify? If they dont, call the insurance company and ask if they have that discount. And while you are on the phone, ask them if they have any others that are specific to that company.

By using the checklist to get all of your questions answered, your New Jersey auto insurance quote now has better coverage at an affordable rate. By asking the right questions, your NJ car insurance quotes are hundreds less than they would have been. If you add up the savings over time, this was definitely worth a few minutes of your time! - 29970

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