Whether you stow a boat in the Elizabeth Marina in Elizabethport, raise kids in Frog Hollow, or run a butcher shop in The Burg, you need a clearer and simpler method for sourcing Elizabeth insurance quotes. After all, although Popular Science in 2008 named Elizabeth as among America's 50 greenest cities, dangers and hazards abound here. For instance, if you work east of the city in the industrial zone, you could get sick inhaling organic aromatics and wind up sidelined from work for months. Thus, you need adequate health insurance. Alternatively, say the new butchery you opened in The Burg gets flooded and ruins your inventory. You need good business insurance to back you up. Irrespective of your needs, this article can serve as a basic primer for how to explore Elizabeth insurance quotes and plan your next steps.
Statistics and Savings Ideas for Auto Insurance
Chances are, you spend tons of time on the New Jersey Turnpike, I-78, and Route 439. Although the Insurance Research Council in 2007 found that only 8% of New Jersey drivers lacked insurance, average Elizabeth insurance rates were an astronomical $1,104, according to the National Association of Insurance Commissioners. In other words, New Jersey was the worst state in the union for auto -- ranking just below Washington D.C. ($1,140) and soaring more than $300 above the US average, $795.
Clearly, liability is a huge problem -- New Jersey drivers paid an astounding $730 on average for liability as well as $354 for collision and $143 for comprehensive. State laws, as of early 2010, stipulated that drivers must carry a battery of protection, including bodily injury and property damage ($15,000 per person, $30,000 per accident, and $5,000 property damage), as well as uninsured motorist (UM), underinsured motorist (UIM), and personal injury protection (PIP). And those were just the minimums! Most insurance agents urge drivers to carry significantly more bodily injury and property damage just for peace of mind.
Driving Down Your Elizabeth Insurance Quotes
Obviously, you don't want to stop driving your vehicle. But you need to be able to afford gas for it after you pay for insurance! To that end, consider using the city's robust mass transit system more to qualify for a low mileage discount. Also, take a defensive drivers course, install better security in your car, and use one carrier to write your auto and home policy to save 30% or more. Over the longer term, avoid accidents and traffic citations, get your credit score up, and (if you have the means) pay off your policy in an annual lump sum. Finally, talk to an insurance agent about other ways to optimize your Elizabeth insurance, and shop around for quotes.
Gathering and Pruning Elizabeth Insurance Quotes
NetQuote, a free online service, can introduce you to multiple high-quality quotes right now. Get at least 5 quotes by filling out our online quote form. Many of our users have saved literally hundreds of dollars on auto and other policies. Finish your insurance shopping today, and get back to doing more enjoyable endeavors, like strolling around Warinanco Park.