Finding Affordable Auto Insurance in NJ-PA-DE

What should I consider when purchasing automobile insurance?
There are a number of factors you should consider when purchasing any product or service, and insurance is no different.

Search auto insurance companies in NJ-PA or DE available Online for cheap car insurance rates in New Jersey. South Jersey Residents 7-20 points go here for quotes



NJ-PA Personal Auto Insurance (856) 270-2581

How can I compare Auto Insurance rates from different Insurance Companies?
We have the most current up to the minute offering from leading companies offering NJ-PA-DE Auto Insurance online.

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How can I lower my automobile insurance rates?
There are a number of things you can do to lower the cost of your NJ automobile insurance. The easiest thing to do is to shop around. It is not surprising to find quotes on automobile insurance that can vary by hundreds of dollars for the same coverage on the same car. When you shop, be careful to make sure each insurer is offering the same coverage. Many insurers use the ISO policy forms, but this is not always the case.

Another way to lower the cost of your automobile insurance is to look for any discounts that you may qualify for. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have had a driver education class in the last five years. Be sure to ask your agent or your company about their discount plans.

Another easy way to lower the cost of your automobile insurance is to increase the deductible. Simply raising your deductible from $250 to $500 can lower your premium sometimes by as much as five or ten percent. However, you should be careful to make sure that you have the financial resources necessary to handle the larger deductible.

First you will have to determine if you have more than 7 points on you history. These are moving violations added to insurance surcharge points. If you have 7 or more points go here NJ High Risk Auto.

What is New with NJ Personal Auto Insurance Laws?

NJ Auto Insurance Competition and Choice Act of 2003 and others.

Rate Reform
Expedited NJ Auto Insurance Rate Process expanded from 3% to 7%.
Relaxation of some Prior Approval requirements.
Excess Insurer Profits not eliminated.
Three-year look back period amended to seven years.
Withdrawal Lock-In-Law restrictions are loosened.
Take All Comers to be eliminated over a five-year transition period.
Legislator vows to ban practice of using education and occupation to underwrite and price risks.
Verbal Threshold weakened by June 2005 NJ Supreme Court decision.

Market Developments

Expedited Rate Process working as designed
Mercury General continues steady growth
Credit Scoring permitted for Mercury General immediately,
opened to industry use in 2004
GEICO enters market August 2004 and in 2011 is a leading company in NJ Insurance
State Farm begins writing new business January 2005
NJ Skylands insurance company becomes a major presence
Progressive enters market October 2005

Former mainstay political concerns about the price of New Jersey personal automobile insurance overwhelmed by the prior inability of many NJ drivers to find coverage has been eased dramatically over the last 3 years.


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