Cheap car insurance in New Jersey

New Jersey residents pay more than the average Americans. The state average for February 2012 was of $1,982, almost 20% higher than the current national average premium of $1,671.16. Newark is one of the most expensive cities in the United States, with an average of a whopping $3,127 per year, followed by Jersey City with $2,579. The good news is that prices have been dropping for the last twelve months, from an average of $2,383 in March 2011 to nowadays' $1,982.

Nevertheless, these are mere statistics which should be used as a ball-park indicator to get a rough estimate on what you are going to pay. If you live in Jersey City, for instance, it doesn't mean you are going to pay $2,579 for your Liability coverage – it can be $1,900 or $3,900 or well above that. Let us see how you can get cheap car insurance in New Jersey.

Keep a clean driving record

Car insurance premiums go up after you get tickets or are found to be at-fault in an accident. Keeping a clean record will not only keep the premiums from going up, but you can also avail the no-claims discount whenever you renew the policy.

Pay your bills on time, every time

A lot of insurance companies will look up your FICO score. If you have a poor credit record you be regarded as a higher liability (if you aren't responsible enough with your money you aren't likely to be a good driver either). There are many ways you can work on your credit score, which are outside the scope of this article.

Install anti-theft devices

Ignition cut-off devices, GPS trackers or even a measly wheel lock can put your car in a safer category, hence it will be cheaper to be insured. Show the insurer that you care about your car and you might be rewarded with a nice discount.

Don't get more coverage than you need

Don't get Collision and/or Comprehensive coverage for cheap and old cars. It could be that you will be billed more than the car is worth. See if you need Rental reimbursement or Theft coverage – you might have a similar coverage with an auto club, your home insurance or a certain credit card.

Stay with one company