TRENTON, N.J.—The Professional Insurance Agents of New Jersey reminds motorists that spring is a good time to talk to their professional, independent insurance agent to discuss what factors affect their car insurance.
Higher deductibles can lower your costs. For example, increasing your deductible could possibly reduce your collision and comprehensive coverage cost.
You may want to consider dropping collision and/or comprehensive coverages on older cars.
Many insurers will give you a break if you bundle, or buy two or more types of insurance.
Some companies will offer discounts to drivers who drive a lower than average number of miles per year.
You also may get a discount if you take a defensive driving course.
If there is a young driver on your policy who is a good student; has taken a driver’s education course; or is away at college without a car, you also may qualify for a lower rate.