How can I find cheaper car insurance in New Jersey for a Ford Fiesta?

I am 22 years old and paying $275 on my mom's insurance policy for my car. I have a clean driving record and don't want to spend half of my paycheck on insurance every month. Are there any lesser-known companies that may offer lower rates?

Answer provided by
Emily Maracle
Answered on Apr 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“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. “

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