New Jersey car insurance is one of the highest in the country.

I know because I live in New Jersey. Every year I dread getting my new car insurance bill. It only goes one way...and that is UP!

But...I did some research and found out how to get some discounts applied to my car insurance policy.

I found out that there are ways to get a break on your car policy, if you know where to look you can find ideas on how to lower your car insurance.

Yes, you can get cheap car insurance...just to find out about discounts you may be eligible for.

I finally saved some money and still purchased the same amount of insurance as I had last year. You may be able to find some ways to get a discount or two on your own auto insurance without lowering your deductible or other coverage amounts.

I read an advertisement that told me I could "Save 50%" on my car insurance policy.

I wish it were true, but I don't believe it.

I would be happy to save a small percent, the more the better of course, but let's be practical. You usually have to buy some e-book to find out how to save 50% so here is your first tip...Save your money!

If you want to save money on your auto policy, ask your agent what discounts are available.

The average driver in America spends hundreds or sometimes thousands of dollars a year for insurance.


What Determines Your Car Insurance Rates?

There are several factors that are put together by insurance gurus to decide what your premium will be.

1. The value of your vehicle (the higher the value, the higher the car insurance premium)

2. Your driving record

3. Your age

4. Your marital status (getting married did not make me a better driver! How about you?)

5. Where you live

6. Your sex

7. The make and model of your car (some makes are stolen more than others)

If you live in the city but own property elsewhere you should check into using that address to register your vehicle. If the property is outside the city, the premiums for that area will most likely be lower.

If your under the age of 25 (especially if your male) perhaps you can register and insure your car under your parents name, with you as a part time driver.

If you are the parent of a teenage driver you can restrict their driving privileges so they will be listed as an occasional driver. This may save you a few dollars.

You can always save some money by choosing the higher deductible on your insurance. You can ask an insurance company what the policy quote is with both the lower and the higher deductible. How much will the higher deductible save you? It may be worth it to choose that for your policy.

If your buying a car you may want to think about looking at one with a smaller engine. A vehicle with a larger engine costs more to insure.

The value of the vehicle will also make a difference in your insurance premium.

Have you had any auto accidents? If you've had one or more you could be considered a high risk to the insurance companies. You can take a defensive driving course to help get a lower premium. Taking this course could get you a discount on your car policy.


Is Your Car Over Insured?

If you have an older vehicle it may not be worth it to continue the collision insurance you have on it. You may be paying more than you will get back from the insurance company, so you should really check this out.

Who is Eligible For a Discount?

Senior Citizens
Good Drivers
Students with a B or higher average
College Students who live away from home at school

What Equipment Gets You a Discount

Cars with Alarm Systems or Tracking Systems
Cars with Air Bags
Cars with Anti-lock Brakes
Etched Windows
Pleasure Vehicles

Do You Have Multiple Insurance Policies?

If your home and life insurance are from the same company, why not add your car to that policy. You may be eligible for a multiple policy discount.

Don't think you have to use the same insurance carrier you currently using. You should shop around for better insurance quotes to find a cheaper insurance policy.

There are many ways to do this.

If you like to surf online you can easily find an insurance company who will give you an online auto insurance quote. All you have to do is fill out the form and hit enter. You will get one or more quotes back via email. You might find one who has cheaper rates than your current insurer.

If you don't want to check for cheaper auto insurance quotes online you can call a couple of agents or insurance companies and ask for a quote.

You may just find a lower priced car insurance policy, and that is surely worth a little bit of your time. If it works for my New Jersey car insurance policy, it will work for yours too.