Auto Jersey
What Makes New Jersey Auto Insurance So Darn Expensive?
Do you ever days where it seems like trying to pick up an affordable auto insurance policy in New Jersey is like trying to find an open parking spot in front of Bloomingdale's? Don Quixote had it easy! Thanks to its awesome location and the sheer quantity of people that leaked the word about that awesome location, New Jersey is the place for the urban sophisticate to set up shop these days-and New Jersey auto insurance companies know it!
What makes the Garden State so appealing? As much as it pains me to be trite, real estate agents have it right. It's all about location, location, location! It doesn't matter where in New Jersey you go, you're only a stone's throw away from New York City and Philadelphia. What does that mean? It means if you work in the city and you don't want to pay the astronomical cost of living within walking distance of your office you can set up shop in New Jersey and be a happy commuter.
Since there are so many people that move to New Jersey for precisely that reason:
a) There are over 1,700 people for every square mile of space in the Garden State, meaning that no matter where you go you're going to be bumping elbows with somebody, and
b) The number of commuters and regular drivers on the road every day is absolutely phenomenal.
With that many people in an enclosed space, even the interstate becomes a pressure cooker for disaster! New Jersey auto insurance companies know that, just like they know that when that pressure cooker blows they're going to be the ones cutting the check to fix your car and get you back out on the road. Since they're not going to stay in business very long if they pay out more than they're taking in each year, they're going to adjust your premiums accordingly.
That's good news for your future insurance coverage, since your insurer is obviously bright enough not to go bankrupt, but bad news for your pocketbook!
The question is what, if anything, can you do about it? If you're hanging out in New Jersey you need to know how to tone down the price tag on your auto insurance. Otherwise, you're going to be hemorrhaging money left and right! To cut 10-20% off the cost of your New Jersey insurance coverage:
a) Try and avoid high risk cars that are going to cost you more to insure from the very beginning.
b) Follow the rules of the road to the letter when you're out on the highways to pave the way to that 5 year good driver discount.
c) Talk to your auto insurance agent about any discounts they might have missed when they sold you your insurance policy. It's amazing what will save you money these days!
d) Pump up the safety features on your car. Remember, it's all about relative risk. Thieves are much less likely to steal a car that has a car alarm, GPS locator system and fuel switch than one without. Cover your tracks, and while you're still going to be paying too much for your New Jersey auto insurance at least you won't be living on bread and Ramen to do it!
About the Author
Mike McDonough is a National Account Representative for QuoteScout.com, where they're specializing in helping people get the best rates on their home and auto insurance. For more information on how to lower the cost of your New Jersey auto insurance, visit them on the web at http://www.QuoteScout.com.
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