The Best Car Insurance in New Jersey for 2022

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For New Jersey drivers on a budget, GEICO’s rates are the most affordable in the state. You can also make your premiums even more affordable by taking advantage of discounts like the bundling discount that GEICO offers when you bundle car insurance with another policy like homeowners or renters insurance.

GEICO also rewards drivers who have safety features installed in their cars with discounts for airbags, daytime running lights, anti-theft systems and anti-lock brakes. GEICO even offers a seatbelt discount for drivers who always use their seatbelts, as well as a new vehicle discount for those with new cars.

In addition, you could qualify for an affinity discount if you are a member of a partner alumni, fraternity or professional organization. Federal employees may also be eligible for a discount.

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Insurance premiums for young drivers and for students are typically higher than for most other drivers. GEICO has the lowest rates in New Jersey for full coverage car insurance for young drivers and also offers good customer service for policyholders. Good service is crucial for younger drivers since they are more likely to file claims. This means that they require a provider that offers prompt and fair settlement of claims.

GEICO offers various discounts tailored to make policies more affordable for students. These discounts include the good student discount, which rewards students with good grades. You can also get a discount on your car insurance premiums if you have completed a driver’s education course or a defensive driving course. However, GEICO does not offer a distant student discount for students who study away from home.

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If you are a senior in New Jersey, you will pay higher car insurance rates compared to the average middle-aged driver. However, GEICO offers seniors affordable rates in addition to great customer service. Policyholders can also take advantage of various discounts to make their premiums even more affordable.

If you are over the age of 50, GEICO offers senior driver discounts. You will also be eligible for a discount if you complete a defensive driving class or have installed safety features like daytime running lights or anti-lock brakes in your vehicle.

Although GEICO does not have many optional coverages, seniors can opt for standard add-ons, including roadside assistance. This covers costs like towing and jumpstarting your car. Rental car or travel reimbursement is also available as an add-on to cover travel expenses incurred while your car is in the shop for repairs.

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Drivers with poor driving records typically pay more expensive car insurance premiums since they are considered high risk, but New Jersey Manufacturers offers affordable rates at an average cost of $1,362 per year. This provider also scores highly in user satisfaction with MoneyGeek scores of 5 out of 5 in customer satisfaction and claims.

New Jersey Manufacturers offers drivers in New Jersey various coverage options that may benefit those with poor records, including:

• Roadside Assistance: Roadside assistance is an add-on to your policy that will cover the cost of expenses such as towing and jump starts in the event your car breaks down.
• Rental Car Reimbursement: If your vehicle is involved in a covered loss and becomes inoperable, this coverage helps to pay for the cost of travel expenses incurred while your car is in the shop for repairs.

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If you have a military background, USAA offers the best balance of cost and quality service in New Jersey.

Some of the key discounts and coverage offered by USAA include:

• Bundling Discounts: You can combine your USAA auto insurance with your home or rental policies to get maximum discounts.
• Legacy Discount: If you are under the age of 25 and you have been previously insured under your parent’s USAA policy, you can get discounts when you decide to get your policy.
• Roadside Assistance: This coverage pays for services such as towing, unlocking your vehicle, jumpstarting your battery or changing a flat tire.
• Accident Forgiveness: You can get accident forgiveness as an add-on coverage to ensure your premiums do not increase after your first at-fault accident. This coverage can also be earned if you remain claim free for five or more years.

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Travelers is a great fit for drivers with new cars because it offers new car replacement coverage. Your new car starts to depreciate as soon as you drive it off the lot. Thanks to this coverage, you can get a new car if you’re unlucky enough to have an accident soon after buying your car.

If you total your new car and you have new car replacement coverage, Travelers will reimburse you with a brand new car of the same make and model. Keep in mind that this coverage will only apply if you total your car within the first five years. This means that any incidents after the stipulated period will not be eligible. This coverage is offered as an add-on, so you will need to pay extra to have it included in your policy.

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Car insurance is a necessity even if you do not drive your car frequently. If you do not drive regularly, pay-per-mile coverage like the one offered by Metromile may be a more cost-effective option for car insurance compared to traditional car insurance policies. This type of coverage determines premiums on a base rate plus mileage so that low-mileage drivers will end up paying lower rates.

Metromile charges for your first month’s base rate when you first enroll. Then, for subsequent months, you will be charged for the next month’s base rate, plus any miles you drove the previous month. The base rate is calculated based on individual factors like age, type of vehicle, driving record and credit history, so it is unique for each driver.