At Plymouth Rock, we want to make sure you get dependable coverage at a great rate. Saving money on car insurance shouldn’t mean compromising on coverage. Here’s how to lower car insurance in NJ while keeping effective coverage.
The ultimate guide to understanding car insurance for everyday drivers
Multi-car savings
If your household has multiple cars, it’s a good idea to have them all insured with the same company. You get the convenience of managing insurance for all your vehicles in one place, and you’ll often receive a discount as well. At Plymouth Rock, you’ll get the best value when you have multiple cars listed on the same policy.
Bundling insurance policies
Do you own a home or rent? Consider getting your homeowners or renters insurance from the same place you get your car insurance. Not only is it convenient to have all of your policies under one roof, but you’ll save on each of them as well.
At Plymouth Rock, the bundling discounts don’t stop at just home or renters. You can also save when you bundle other policies like motorcycle. The more you bundle, the more you save!
Evaluate your deductible
Take a look at your deductible and re-evaluate how much you’re comfortable paying in the event of an accident. The deductible is the amount you need to pay before your insurance will start paying for expenses.
Raising your deductible will lower your policy’s premium. However, this means you’ll need to pay more out of pocket if you need to file a claim. If you have questions about deductibles, give us a call! Our friendly insurance experts are happy to help.
Understand your coverages
Many car insurance providers offer low insurance premiums, but it often means that you are getting less coverage. Saving with less coverage may mean paying more if you ever need to file a claim.
That’s why it’s important to understand what coverage limits are right for you, and what those coverages mean. When comparing companies, make sure you’re using the same coverage limits and deductibles. This way, you’ll have a direct comparison between actual insurance products and a more accurate look at pricing.
Type of car
Before you buy your next car, think about how much it costs to insure. The kind of car you drive makes a big difference in your rates.
Contrary to popular belief, the color of your car doesn’t matter for insurance purposes. What does matter, however, is the cost to repair the vehicle.
Cars with large production runs are typically cheaper to repair because of better parts availability, for example. These kinds of cars are, in general, cheaper to insure than low volume luxury or sports cars that may need specialized parts.
| Vehicle rating factors | ||
| Repair cost | Make and model | |
| Horsepower | Age of car | |
| Where the car is parked | Safety features | |
Pay in full
Rather than paying monthly, consider paying your policy in full if possible. This lets you avoid installment fees. Eligible policyholders can receive a discount if they choose to pay their Plymouth Rock policy in full each policy period.
Enroll in eDocuments
An easy way to save on Plymouth Rock insurance is to enroll in eDocuments. Plymouth Rock and other providers may offer a discount if you choose to receive your policy documents electronically. You’ll get your insurance documents sent directly to your inbox.
Better credit
Having a stronger credit score may mean lower car insurance premiums. Your creditworthiness can be one of the factors an insurance company uses to evaluate your rates.
Improving your credit score can be as simple as paying your bills on time. Double check your credit report to make sure it’s as accurate as possible.
Group discounts
If you’re a member of an organization or an employee of a company partnered with Plymouth Rock, you may be eligible for a group discount. We have discounts for members of a variety of groups and associations in New Jersey.
Secure lower rates with a secure car
The more safe and secure your car is, the more you can save on car insurance. Plymouth Rock offers discounts if your car has anti-theft measures such as an alarm or safety features like anti-lock brakes.
Almost every new car comes with an alarm standard from the factory, but older vehicles can be retrofitted with them as well. Other anti-theft measures like window etching and steering wheel locks are simple but effective ways of deterring theft. Anti-theft measures not only protect your car from being stolen, but they also help lower your car insurance premiums.
| Anti-theft discounts | |
| Ignition cutoff | Transmission lock |
| Steering wheel lock | Window VIN etching |
| Vehicle recovery system | Alarm |
Ask us about your vehicle and see how much you can save!
Safe driving
One of the best ways to keep your insurance costs down is to drive safely. Accidents and moving violations are part of your driving record, indicating that you are riskier to insure.
Maintaining a clean driving record helps prevent your rates from going up but also keeps any safe driver discounts like the ones Plymouth Rock offers.
Complete a state-approved defensive driving course and you may be eligible for a discount. Some courses can even be completed online. Check with the New Jersey Motor Vehicle Commission to make sure the course you take is approved.
Preventing accidents before they happen is the best way to keep you, your passengers, and everyone else on the road safe.
Save with YUBI®
If you want to take your safe driving savings to the next level, enroll in our YUBI® program. The YUBI app measures your driving behavior and gives you a discount based on how well you drive. With safe driving, you can save big on car insurance.
Still not sure what New Jersey car insurance discounts you qualify for? Call today and see how much you can save! You may be able to take advantage of the above discounts and exclusive benefits.
FAQ
A: Comparing quotes from different insurance companies is the best place to start when shopping for car insurance. Factors such as your driving behavior, the vehicle’s age, make, and model can also determine how much you can expect to pay or save. Thinking of switching your car insurance to Plymouth Rock? Get a free quote online.
A: There are a few things you can do to lower your car insurance premium.
• Enroll in a telematics or usage-based program – Some car insurance providers offer discounts for safe driving behaviors when tracked through an app or plug-in device.
• Bundle your policies – Combining car insurance with home, renters, or condo insurance typically provides a multi-policy discount.
• Increase your deductible – Selecting a higher deductible can significantly reduce your premium. Just be sure you’re comfortable paying a higher amount in the event of a claim.
• Review and update your policy annually – Small changes like driving fewer miles, removing outdated drivers, or adjusting coverage for an older vehicle can reduce your premium and keep your policy aligned with your driving needs.
A: Under the law in the state of New Jersey, all drivers are required to have liability insurance. This means a standard auto policy in New Jersey is required to have four lines of coverage: Personal Injury Protection (PIP), bodily injury liability (BI) coverage, uninsured/underinsured motorist (UM/UIM) coverage, and coverage for damage to someone else’s property (PD).
A: Collision coverage is optional in New Jersey, not a requirement. It can help you pay for physical damages to your car if you’re involved in a covered accident.
Now let’s talk about you
Do you have the right coverage for your vehicle? We’d love to chat with you about it. Call us at 800-516-9242 or speak to a local agent.
If you’d rather not talk, you can get a quote quickly and easily online. Just enter your ZIP code to get started and see how much you could save!