Best Cheap Auto Insurance Quotes for State Employees in New Jersey

The car, truck, or SUV requiring coverage is one of the largest considerations when consumers are trying to find the best cheap car insurance for state employees in New Jersey. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models.

The data below presents insurance rates for a handful of the most affordable automobiles to buy insurance for.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific New Jersey garaging location which can change auto insurance rates greatly.

Based upon the rates shown, you can assume that cars like the Honda CR-V, Chevrolet Traverse, Ford Escape, and Volkswagen Jetta are most likely to be the cheaper vehicles to insure for state workers.

One of the more important considerations that help determine car insurance rates is where your residence is. Areas with more people or even just a higher incidence of claims like Newark, Elizabeth, and Union City will most likely have higher rates, whereas areas with less congestion benefit from lower rates.

The information below rates the priciest cities in New Jersey for state employees to buy auto insurance in.

Premium amounts are comparative as specific location information can change price quotes greatly.

Discount New Jersey insurance

Insurers that provide the best cheap car insurance for state employees in New Jersey could also offer discounts that may potentially lower prices by as much as 35% or more if you meet specific criteria. The best insurance companies and some of their more popular discounts are detailed below.

• Farm Bureau may include discounts for youthful driver, safe driver, good student, renewal discount, and driver training.
• MetLife offers premium reductions for defensive driver, good student, good driver, claim-free, multi-policy, and accident-free.
• Progressive has discounts for good student, continuous coverage, homeowner, multi-policy, and online signing.
• AAA has savings for pay-in-full, good driver, good student, multi-policy, multi-car, and education and occupation.
• American Family may have discounts that include early bird, Steer into Savings, TimeAway discount, good student, accident-free, and defensive driver.
• GEICO includes discounts for anti-lock brakes, membership and employees, air bags, five-year accident-free, multi-vehicle, military active duty, and driver training.
• State Farm may offer discounts for defensive driving training, safe vehicle, good driver, driver’s education, multiple autos, passive restraint, and multiple policy.

The example below illustrates the comparison of auto insurance costs with and without discounts applied. The rate quotes are based on a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, claim-free, homeowner, defensive driving course, multiple vehicle, and safe-driver discounts applied. When discounts are applied, the the average yearly reduction on insurance for state employees is 28% or $890.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4735,3399],[‘Age 30’, 3239,2341],[‘Age 40’, 3009,2175],[‘Age 50’, 2629,1901],[‘Age 60’, 2545,1839],[‘Age 70’, 2985,2147]]);var options = {title: ‘Insurance Rate Comparison with Discounts for State Employees’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New Jersey’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Responsible drivers pay cheaper insurance rates

The easiest method to enjoy affordable insurance premiums in New Jersey for state workers is to drive attentively and maintain a clean driving record. The illustration below highlights how traffic violations and at-fault accidents impact insurance premiums for different ages of insureds. The rates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4989,5415,6629],[‘Age 30’, 2583,3011,4225],[‘Age 40’, 2487,2915,4131],[‘Age 50’, 2279,2707,3923],[‘Age 60’, 2241,2669,3881],[‘Age 70’, 2597,3027,4241]]);var options = {title: ‘Impact of Tickets and Accidents on New Jersey Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New Jersey’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of car insurance in New Jersey per year with a clean driving record and no accidents is $2,863. Get one speeding ticket and the average cost hikes up to $3,291, an increase of $428 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for state employees goes up to an average of $4,505. That’s an increase of $1,642, or $137 per month, just for not being more responsible behind the wheel!