I have separated this out into a different thread rather than putting this in the insurance thread to highlight the important of this to New Jersey owners. I found this web page on the State of New Jersey web site that actually does a damn good comparison of all the auto insurers in NJ.
First, go here http://www.state.nj.us/dobi/division_consumers/insurance/autopremiumexamples.htm and find the example that 'best matches you'. (note the difference between the 'A's and 'B's for each type too...for be '2-A' best represents me as my wife and I are in our 30s and have the 'Limited Right to Sue' option [gotta love NJ], & clean records.) ,
Then, on this page http://www.state.nj.us/dobi/division_consumers/insurance/autopremiumcomparison.htm under the 'Select Premium Comparison Chart by Zip Code' dropdown select your zip.
This brings up a page like so (the tables below are specific to my zip code) so you can do a comparison between them all for your own zip codes:
While every person's situation is different .. ages, credit history, driver history, etc etc. this page at least does a very good job at giving you an indication of where you should start looking at first to get the best auto insurance quote. I've had Geico and Progressive Garden State in NJ, and I've also received quotes from State Farm. For me, last time I did this, Progressive was the cheapest, then State Farm, and GEICO was utterly ridiculous. This matches that chart for my category. When I asked Geico about why their rate was so much higher in NJ than other insurers, their answer to me was something like 'based on our statistics of NJ drivers, NJ has some of the worst drivers and highest crash rates/claims etc etc'. So I guess because NJ is one of the lovely 'no-fault' insurers (where regardless of whose fault an accident was, it's your own insurance that pays for damages to your car, not the other guys...and also restricts you from seeking any recovery payments from the other person), we're stuck with paying the higher insurance rates rather than crappy drivers paying higher rates and good drivers paying cheaper ones for the same coverage. Anywho, while NJ sucks in more ways that Bill gates has dollar bills, at least this web site from them helps in the hunt for cheaper insurance. (and NJ has no sales tax for EVs so another minor +1 to NJ for some sort of positive note). I am going to look into applying to USAA to see what their rates are
First, go here http://www.state.nj.us/dobi/division_consumers/insurance/autopremiumexamples.htm and find the example that 'best matches you'. (note the difference between the 'A's and 'B's for each type too...for be '2-A' best represents me as my wife and I are in our 30s and have the 'Limited Right to Sue' option [gotta love NJ], & clean records.) ,
Then, on this page http://www.state.nj.us/dobi/division_consumers/insurance/autopremiumcomparison.htm under the 'Select Premium Comparison Chart by Zip Code' dropdown select your zip.
This brings up a page like so (the tables below are specific to my zip code) so you can do a comparison between them all for your own zip codes:
While every person's situation is different .. ages, credit history, driver history, etc etc. this page at least does a very good job at giving you an indication of where you should start looking at first to get the best auto insurance quote. I've had Geico and Progressive Garden State in NJ, and I've also received quotes from State Farm. For me, last time I did this, Progressive was the cheapest, then State Farm, and GEICO was utterly ridiculous. This matches that chart for my category. When I asked Geico about why their rate was so much higher in NJ than other insurers, their answer to me was something like 'based on our statistics of NJ drivers, NJ has some of the worst drivers and highest crash rates/claims etc etc'. So I guess because NJ is one of the lovely 'no-fault' insurers (where regardless of whose fault an accident was, it's your own insurance that pays for damages to your car, not the other guys...and also restricts you from seeking any recovery payments from the other person), we're stuck with paying the higher insurance rates rather than crappy drivers paying higher rates and good drivers paying cheaper ones for the same coverage. Anywho, while NJ sucks in more ways that Bill gates has dollar bills, at least this web site from them helps in the hunt for cheaper insurance. (and NJ has no sales tax for EVs so another minor +1 to NJ for some sort of positive note). I am going to look into applying to USAA to see what their rates are