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One of our main goals at Prime Insurance agency is to ensure that we help everone find the best auto insurance in New Jersey. This includes the most coverage at the lowest price available.
Independent Auto Insurance Agent In New Jersey
As an independent insurance agent in New Jersey we represent some of the most reputable and prominent companies in the insurance world. The relationships that we have created with these insurance companies translates into great coverage at a great price for you.
As an independent insurance agent we make sure that we work for you and not the insurance companies. We know who keeps us in business and our goal is to make you happy.
We take the time to get to you know you and your individual auto insurance needs. By having so many carrier options available we are able to do the shopping for you and ensure you get the exact auto insurance that not only fits your needs but also your budget.
Finding the Right Auto Insurance Coverage In New Jersey
Car Insurance is becoming a necessity and in most states it is a law. When you get in an accident, the accident is bad enough you don't want to worry about how you are going to afford to pay for it. One accident could cause you to go bankrupt and lose every thing that you have if you don't have the right insurance coverage.
The state of New Jersey requires that every driver have auto insurance. There are so many choices you have when buying auto insurance that can affect your coverage and also the amount that you pay for that coverage. When purchasing auto insurance you should understand the product as much as possible before purchasing.
Types of Auto Insurance in New Jersey
Most companies provide Property Insurance, Liability Insurance, and Medical Insurance coverage:
Property coverage This will cover any damages that happen to your car in a covered event. It will also help pay for your car in the event of theft.
Liability coverageThis will cover any cost of any damages that may happen to another person due to an accident. This can help pay for injury or property damages that may happen.
Medical coverage This insurance is set up to help pay for the cost of treating injuries, any rehabilitation that may be required and possibly lost wages and even funeral expenses.
Most states including New Jersy will require that you buy some if not all of these coverages. If you are financing your car the financial instituion may have their own requirements that you need to be aware of.
Most auto insurance policies are going to be setup for 6 months or a year. Some insurance companies will give discounts to those who sign on and pay for a longer period of time. They will also let you know when it is time to renew your policy.
Tips To Save Money On Auto Insurance In New Jersey
Here are some tips on finding cheap auto insurance, or at least lowering the cost of your current insurance policy.
Switch insurance carriers
One way to save money on your auto insurance is to shop around. This is usually a great option when you have great credit and a great driving record. If you have bad credit or a bad driving record it may be advantages to stick with your current insurance provider. Those who have bad credit and driving records will end up paying about 20% to 50% more for their auto insurance premiums in New Jersey than those who have good credit and driving records.
When thinking about switching auto insurance companies you should consider more than just the price. You need to worry about the level of customer service to ensure that you will be taken care of if you ever have to file a claim. Talk with family and friends to see who they would reccomend.
Another great way to figure out if the insurance company you are thinking of switching to is the right choice is to check with the state. Some states keep logs of complaints made against auto insurance carriers. If a company has a high complatin ratio this is a red flag that you don't want to do business with them.
Remember just because an auto insurance policy is cheap, it doesn't mean that it is the best policy for you. You want to make sure that you have the right coverage first and foremost.
Look For Auto Insurance Discounts
As discussed above switching insurance carriers can save you money there are also advantages to staying with your current auto insurance provider. Some insurance companies will give discounts to loyalty. That is to say customers who stay with them for long periods of time.
One of the easiest ways to save money on your auto insurance is to combine your auto insurance policy with your homeowners insurance policy.
Most insurance companies will also offer discounts for keeping a clean driving redord. They will also provide discounts on your auto insurance if you car as certain safety equipment. As you get older you can also start receiving discounts.
Teen drivers also have discounts available to them by showing that they can maintain good grades or complete a driver's education training.
Ask your insurance company to help you find any discounts that you may qualify for.
Raise your deductible
By raising the deductible on your auto insurance you can save money on your premiums. This is one way to save money that you may want to avoid unless you know for sure you will have the money available to pay for the out of pocket deductible in the event you are in an accident.
Drop Some Coverage
You should evaluate your insurance needs at least once a year to determine if you have enough coverage or not enough. Sometimes when you car has a lot of miles on it or is more than five years old you may decide to drop some of the insurance coverage you are currently carrying on your vehicle. This is becaus eyou may end up paying more in premiums than the car is worth.
Be careful when making this decision and speak with your insurance agent before making a decision to remove certain coverages.
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