How Much Does Auto Insurance Cost for Single Moms in New Jersey?

When buying auto insurance for single parents, one of the key components that affect rate quotes is where you keep your vehicle. Areas with more people or more claims like East Orange, Newark, and Passaic tend to have higher auto insurance costs, whereas cities that are not as densely populated have the gratification of cheap insurance for single moms in New Jersey.

The illustration below illustrates the most expensive cities in New Jersey for single moms in which to buy car insurance.

Annual rates are comparative as the specific garaging location can decrease or increase auto insurance rates noticeably.

Everyone has different tastes in autos, and the style of vehicle driven is one of the biggest factors when comparison shopping for cheap insurance for single moms in New Jersey. Vehicles with high performance features, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than safer models.

The next tables showcases auto insurance rates for a selection of the most cost-effective automobiles to insure.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in New Jersey location which can increase or decrease coverage prices greatly.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in zip code location which can impact insurance rates greatly.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in zip code location which can influence insurance rates greatly.

Get discount New Jersey auto insurance rates

Car insurance companies that sell cheap insurance for single moms in New Jersey may also provide rate discounts that may potentially lower prices by 30% or more if you meet certain criteria. Popular car insurance companies and their offered discounts are outlined below.

• Mercury Insurance offers discounts for good driver, type of vehicle, good student, multi-car, ease of repair, and annual mileage.
• Farmers Insurance offers discounts including teen driver, youthful driver, early shopping, multi-car, and mature driver.
• Farm Bureau discounts include 55 and retired, renewal discount, multi-vehicle, good student, and safe driver.
• State Farm includes discounts for good student, defensive driving training, driver’s education, multiple autos, student away at school, multiple policy, and Steer Clear safe driver discount.
• Allstate may offer discounts for anti-lock brakes, early signing, economy car, premier plus, passive restraint, and senior citizen.
• GEICO may include discounts for air bags, good student, multi-policy, anti-theft, membership and employees, federal employee, and anti-lock brakes.

The example below shows the difference between insurance prices with and without discounts applied to the rates. The premiums assume a female driver, no violations or accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, homeowner, passive restraint, claim-free, anti-theft, and marriage discounts applied. In this example, the the average amount saved on car insurance for single moms is 28% or $536.

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Ideas to find more affordable car insurance for single moms

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help drivers get more affordable auto insurance.

• Home or renters coverage can save on auto insurance
• Buy safe vehicles
• Tickets and violations raise rates
• Avoid accidents and claims
• Claim-free drivers earn discounts
• Full coverage is expensive so only insure older vehicles for liability only
• Compare rates regularly to ensure the best deal

The last tip in the list is remarkably important, as was emphasized in the article above. Car insurance prices in New Jersey can be adjusted at any time, so don’t hesitate to buy a policy from a new company if a more affordable rate is found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that stubbornness costs you hundreds of dollars a year. Now is a great time to shop around to find cheaper car insurance for single moms.