Cheap Auto Insurance Trenton

Cheap Car Insurance Trenton NJ

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Are you looking for new coverage or wondering if you're paying too much for your auto insurance in Trenton NJ?
Good News! You don't have to wait until your current auto insurance policy is nearing renewal to shop for a better deal in the Trenton NJ area. When you find a better price, you can cancel your old policy and request a refund.
Let us help you find the lowest car insurance in Trenton NJ.

Two Types of Policies in New Jersey

There are two types of auto insurance policies offered in New Jersey - Standard and Basic.

The Standard Policy is the type of policy that is chosen most frequently by consumers in New Jersey. It offers several different coverage options, as well as the opportunity to purchase additional protection.

The Basic Policy usually costs much less that the Standard Policy, but it only provides limited benefits. While it does provide enough coverage to meet the minimum requirements in New Jersey, it is probably not the best choice for someone who has lots of assets to protect.

For further information about these policies and requirements, you may visit the official website for the State of New Jersey.

* FYI *

There were 757 vehicle thefts in the Trenton metropolitan area in 2014.

This figure is provided by the NICB (National Insurance Crime Bureau.)

Tips to Save Money on Insurance:

* * Do not buy a vehicle that thieves often steal.

* * Raise your deductibles

* * Remove any/all risky drivers from your policy.

* * Pay quarterly, semi-annually, or annually, but don't pay monthly.

* * Buy a car with safety features, (alarm system, steering wheel lock, OnStar, etc.)

Determining Rates

(a) Where you live -
The road conditions in your area, as well as the number of vehicles, population, number of accidents and claims, and repair rates are all factors that contribute to your total premium rate.

(b) Your driving record -
This factor affects your premium rates more than the others. Any at-fault accidents and convictions you have had for moving violations within the 3-year period leading up to your application or renewal greatly affect your cost.

(c) Use of vehicle -
The more you drive your vehicle, the higher your premium will be. If you only drive your vehicle rarely, then you will pay less than if you drive it to work 30 miles each day.

(d) Type of vehicle -
The style of your vehicle, the likelihood of it being stolen, and the cost of repair/replacement will all affect your premium. You can be sure that a sports car will definitely raise your rate more than a family car.

Insurance Classifications:

Drivers are separated by insurance companies into various classifications when rates are being determined for auto insurance policies.

Numerous factors are used to classify drivers. Some of those factors are:

(a) marital status,
(b) gender,
(c) age,
(d) driving record,
(e) number of miles driven annually
(f) former insurance record,
(g) where your vehicle is housed

History proves that drivers with certain types of characteristics are more likely to be involved in an accident. So drivers with those types of characteristics are charged higher rates by insurance companies.

Even though you can NOT control your age or gender, you CAN control your driving record and the type of vehicle you drive.

Auto Insurance Agents In Trenton NJ:
Wagner Insurance
866 Highway 33 #6
Trenton, NJ 08619

Sypek & Sandford Agency
1569 Parkway Ave. Suite F-G
Trenton, NJ 08628

Joseph Manze Insurance
111 Yardville Allentown Rd
Trenton, NJ 08620

R P Bonanni Agency
2659 Nottingham Way
Trenton, NJ 08619

Adelphia Insurance Agency
157 N Broad St
Trenton, NJ 08608

Harrah & Associates Inc
2426 Nottingham Way
Trenton, NJ 08619

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