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· Multiple Car/Other Policies — Insuring two or more vehicles on one policy can reduce your premium. Discounts may also apply if you have another policy, such as homeowner’s, renter’s or life insurance, with the same company.
· Vehicle Safety Features — Insurers must offer discounts for vehicles that have anti-lock brakes, air bag and passive restraint systems, and anti-theft vehicle recovery systems.
· “Good Student” — Many insurers offer discounts for young drivers who maintain a 3.0 (“B”) or higher grade point average or for those family members attending school away from home.
· Defensive Driving — New Jersey law requires insurers to offer discounts for drivers who have completed a Defensive Driving course approved by the New Jersey Motor Vehicle Commission. (To find an approved school near you, call 1-888-486-3339.)
What Information May an Insurer Request?
In order to accurately quote you a premium, insurers will generally request the following information:
· Make/model/year/vehicle identification number (VIN) of vehicle(s)
· Number of average annual miles (daily miles to work or school)
· Principal owner and operator of vehicle(s) (registration information)
· Driver(s) to be insured on the policy – name, license number, age, sex, marital status (It is important to tell your insurer about all licensed drivers in your household, even if they are covered by other policies)
· Accidents or moving violations of each driver during past three years
· Coverages and limits desired