Car Insurance Concerns In New Jersey - New York News

Car Insurance Concerns In New Jersey

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Living in New Jersey has its perks, but it also has its costs. As a citizen of the state all you have to do is look at your car insurance premiums to know that you’re dishing out a huge amount of money every year just to have the privilege of driving on the road. In many cases, even clean driving records don't seem to matter.

New Jersey drivers who live in the state’s 30 largest cities pay an average of $2,000 annually according to a report done by ValuePenguin.com. New Jerseyeans living in more rural locations such as Hillsborough, Bridgewater, and Toms River pay less than $1,400 on average per year. If you live in more urban locations however, drivers get the boot with premiums skyrocketing to almost $2,400 a year. These areas include urban neighborhoods such as Newark, Passaic, and Paterson. Statistics like these lead many drivers in the state wondering why the current system is set up this way.

"I don't know how it works, but it's illegal not to have insurance. Somebody's paying somebody to make sure that we have to have insurance, you know? It’s a huge, huge amount of money,” New Jersey driver Duncan Lucifer said.

If you are one of the many people in the Garden State that are not happy with their car insurance rates, AAA says you can get them lowered. How much though depends on how much "homework" and fine print reading you are willing to do. Patti Mayer of AAA Mid-Atlantic gave helpful advice to help drivers lower your rates.

"Definitely compare your coverage’s and your carriers regularly to make sure you're getting a good deal. Ask for discounts; look through your options for discounts you may not be getting. Package your policies together; auto, home, and life insurance. You get bigger discounts when you insure multiple policies with the same carrier," Mayer said.

Although an individual can take personal initiative to get their car insurance premiums lowered, the ideology behind rates in New Jersey will still be debated. For example, a southern New Jersey driver pays the same rate as someone who lives in Philadelphia; the nation’s fifth largest city, yet someone whom lives in the same urban situation in North Jersey will be paying way more than the driver from Philly. Lesson from this; New Jersey is a very expensive place to live.

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