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Experts advise getting at least 3 quotes to make sure you get the best rate that is available.

Our online quoting has been growing in popularity year by year. The success of multiple company quotes is remarkable. Find out if staying with your current company" for your automobile insurance policy is right for you. Once your information is submitted we will discuss your coverage options, discounts and how to start your policy.  If staying where you are is the best thing we will advise you of that also.

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To get the best rates you need to compare similar quotes. Whether or not you have had coverage continuously over the past 3 years will affect your ability to get the best rate and the most discounts on a new policy now. If you have had a lapse in coverage car insurance companies in NJ may assume that you've either been driving without coverage or had your policy canceled by the previous insurance company for non payment or some other reason. If you were canceled for non payment your premium you have to seek coverage from the NJPAIP (New Jersey Personal Automobile Insurance Plan). More commonly referred to as the NJ high risk pool or NJ assigned risk car insurance program. We can quote you njpaip for help and quotes.

What affects NJ Car Insurance Rate Quotes.

The town or city, urban or rural where you keep your car has a dramatic bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle insured in West New York or Newark NJ, pays a much higher rate than the owner of an identical vehicle in Cape May or Salem, NJ. In other words the more population the greater chance of you using you insurance policy for a claim and insurance companies will charge accordingly.

Other factors affecting NJ car insurance rates may also include time of police response, local road/s and traffic conditions and the breadth and availability of local (EMS) or medical services. Insurers even factor in the amount of lawsuits and adjust rates in a given area by how many lawsuits are filed, go to trial, are may be settled out of court, and for how much money the average claim is settled for.

CHOOSE A SAFE VEHICLE

Crash tests can help you determine how well a vehicle will protect you in a crash. • The National Highway Traffic Safety Administration (www.nhtsa.dot.gov). Each year, NHTSA crashes vehicles head-on into a wall and bashes them broadside to test their ability to protect their occupants. NHTSA focuses on evaluating vehicle restraints such as air bags and safety belts. • The Insurance Institute for Highway Safety (www.hwysafety.org). A different test by the IIHS uses offset-frontal car crashes to assess the protection provided by a vehicle’s structure. • Consumers Union. Consumer Reports’ annual auto issue rates vehicles in terms of overall safety. Its safety score combines crash test results with a vehicle’s accident avoidance factors emergency handling, braking, acceleration, and even driver comfort. To find out whether a manufacturer has recalled a car for safety defects, click on the “Recalls” link at www.nhtsa.dot.gov or call NHTSA at 1-800-424-9393. If a vehicle has been recalled, ask the dealer for proof that the defect has been repaired. Used vehicles should also have a current safety inspection sticker if your state requires one.