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12 ways to save on your NJ Auto Insurance
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Below are some valuable suggestions on factors to consider when buying New Jersey
auto insurance. When you submit your Free No-Obligation
NJ auto insurance quote a friendly, knowledgeable insurance agent in your
local community is available to assist you get the best possible auto coverage
for your money. There has never been a better time to shop around in New Jersey
for competitive auto insurance. You could save important money almost immediately.
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- Opt for a Stable Insurer
While most insurers provide fair settlements, time is money, too. Be sure the
carrier you choose has a reputation for fast claim service.
- Don't Over-Insure
Choose only the coverage you need. For example, if your car is over 5 years
old, maybe you should drop collision insurance.
- Don't Under-Insure
Saving a few dollars up front could cost you a significant amount of money at
a time of loss.
- Select The Right Deductible
By "self-insuring" what you can afford, deductibles can save you significant
premium dollars.
- Choose The Appropriate Limits
Don't underestimate jury awards - often they are astronomical. Consider liability
coverage carefully.
- Excess Liability
This is economical coverage that picks up where your auto (and homeowners) liability
leaves off. It can save huge amounts in the event of a large judgment against you.
- Ask About Discounts
Some insurers offer multiple car discounts and safe driver discounts - even
discounts based on years of experience or retirement status.
- The Comprehensive Coverage Question
Without this option you will not be paid for fire, theft, vandalism or other
losses out of your control.
- Uninsured Motor Coverage
This is an important dollar saver in the event you are the victim of a hit and
run driver, or one without insurance.
- Towing and Replacement Vehicles
Following an accident, without this coverage, you might have to go "out-of-pocket"
to move your auto or rent a replacement car.
- Collision Coverage
If you have a car loan this insurance is required but you should protect your
interests too in the event your car is badly damaged by unknown persons.
- Most Important ... Talk To Your Local New Jersey
Insurance Agent!
Many of New Jersey's insurance agents represent several auto insurance companies
that want to compete for your business. They "shop" for you to get the best deal
and help you make all of the right auto insurance decisions. Most important, at
a time of loss. your New Jersey Insurance Agent represents your interests not those
of the insurance company. In the event you have a claim you can count on your agent
to work with you for a fast fair cash settlement. Click
here for a FREE No-Obligation New Jersey car insurance quote. It's easy,
takes less than a minute and could end up saving you money on your auto insurance
premium!
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