Ideally, you could get the cheapest car insurance you want. In reality, there are actually steps you can take to get the cheap car insurance you want.

What exactly makes car insurance cheap?

Many factors are used to determine the price of your car insurance in NJ. Such factors include the number of years you’ve been driving; the age, model, and make of your car; your driving record; your location; the safety components and anti-theft devices on your car; and the car insurance company from which you purchase your car insurance policy.

Many times, drivers and vehicle owners can get cheap car insurance in NJ if they’re experienced drivers with minimal or zero incidents on their driving records. Those drivers and vehicle owners who have, or who install, additional safety features such as anti-lock brakes, automatic safety belts, and child proof locks usually get cheap car insurance rates, too.

If your driving record is less than perfect, now’s the time to begin working on it. Contact your motor vehicle department and ask about driving classes you may be able to take to lessen the points on your record. And, of course, practice safer driving to avoid obtaining more points.

I own a car, but don’t have a garage – will this affect my insurance rates in New Jersey?

Maybe. Maybe not. If you can rent garage space close to your home, that would definitely help your car insurance company see that you’re taking the necessary steps to protect your car. You should also consider using an anti-theft device, as well as parking your car in a well-lit area – even if it’s not a garage.

What does NJ have to say about getting cheap car insurance in NJ?

Lots. The New Jersey Department of Banking and Insurance dedicates and entire section of their Web site to insurance consumers – including car insurance consumers. Contact them or visit their Web site for more information.