- It's smart to put your spouse as a named driver on your policy.
Many insurance companies provide discounts when you add a spouse as a named driver as opposed to unmarried couples, as they see marriage as a sign of stability and give you a big discount.
You can often expect to save around 15% on your premiums by doing this.
Also, having an alarm system installed in your car will statistically save you an additional 5-10% on costs.
- Lower your annual mileage.
Lowering your annual mileage will lower your premiums dramatically.
Often, insurance companies will quote you for around 12,000 miles a year.
Try and work out how many mile's you will actually drive and if it's likely to be less you may get another good discount.
I would try to be honest about this as your insurance company may ask to see old MOT'S and service history to check your mileage.
- Spend the time and shop around.
Know that all insurance companies use different types of formulas to calculate your insurance premiums.
Often, you will have to complete a short form but then you'll get several low quotes from the major carriers while still online.
Take the time to read about auto insurance in New Jersey, as knowing the facts will save you a lot of money on your next policy.