Each provider uses a unique algorithm to determine your rates. Your driving habits, credit score, age, and claims history (among other things) affect how much you’ll be charged. A provider that charges your neighbor a cheap rate may not be the best for you if you have a lower credit score than them, for example.
To pay less over time, you’ll want to maintain constant coverage and apply for discounts. New Jersey drivers that do not maintain continuous coverage pay an average of 30% more than those with five years of continuous coverage.
Almost all providers offer a variety of discounts, including rewards for safe driving, bundling home and auto, belonging to a professional organization, and more.