“While New Jersey isn’t listed as having the most expensive average car insurance cost by state, there are many factors that can cause higher-than-average rates. Where you live, the car you drive, your driving record, and the coverage on your vehicle can all impact your rate.
You can reach out to your current insurance carrier and find out what discounts you may qualify for. If you are in school, carriers often offer student discounts. Attending a driving school or training class can also save you money on your policy.
The easiest way to find lower rates with different carriers is to request car insurance quotes online. By shopping around, you may be able to find a more affordable rate with a lesser-known carrier or a better discount with a major carrier. “