Blairstown Auto Insurance Rates, Quotes, Agents & Reviews in NJ

Blairstown, NJ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Blairstown, NJ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Ways to Save Money on Car Insurance in Blairstown, NJ

Blairstown is a township in Warren County, New Jersey, United States. With a very nominal population, residents of Blairstown enjoy the natural beauty of the Delaware Water Gap National Recreation Area and travel to famous sights like Lehigh Gorge and Scenic Railway. With so much to explore on roads, car drivers must ensure their road travel by taking car insurance in Blairstown, NJ. 

The average cost of car insurance in Blairstown, NJ, is $1,692. Many different elements go into finding car insurance in Blairstown, New Jersey. Zimlon, through its research, has explored specific tips that will be extremely helpful in understanding the cost of car insurance in Blairstown, NJ. These are the things you need to keep in your mind before the decision-making process.

a. Credit history

Blairstown car owners benefit from lower car insurance premiums by making timely car insurance payments and having a good credit score. A good credit score will help them earn discounts on auto insurance rates in Blairstown, NJ. 

For instance, a person with excellent credit (740-799) has to pay $1,657, whereas car owners with poor credit scores (300-579) have to pay $2,760. Therefore, car owners must maintain a good credit score (670-739) to avail discounts on car insurance rates.


b. Driving history

If the car owner has a spotless driving history of no offensive driving, no driving violations, no DUI, then they are eligible for a good driving discount. Insurance companies offer a discount to encourage good drivers to continue pursuing their records. If a policyholder is found with any regulation that disobeys driving rules, the premium tends to increase. For instance, for running a red light, the premium increases by $394. Avoid breaking driving rules and maintain a clean driving history to save money. 

c. Age of the driver

Age plays a decisive role while availing of auto insurance in Blairstown. As the policyholder's age increases, the cost of car insurance decreases. This is because insurance providers consider the experience of driving based on the driver's age. The chances of accidents and claims are less when an experienced driver is behind the wheel. Teenagers tend to pay the highest premium as they are viewed as untrustworthy and careless while driving. For instance, teenagers pay $5,490 on auto insurance, whereas 40 years old drivers pay $1,611 in Blairstown, NJ. Here, you can witness a difference of $3,879 based on the driver's age.

Factors that can influence the cost of car insurance in Blairstown, NJ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Blairstown, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Blairstown, NJ with that of other cities in and around Blairstown.

Blairstown Hainesburg Hardwick Marksboro Knowlton Frelinghuysen
Average Insurance Rates $1,692 $1,719 $1,716 $1,651 $1,683 $1,722

Blairstown, NJ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Blairstown, NJ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Blairstown $1,815 $1,533
Mount Hermon $1,014 $856
Hainesburg $1,771 $1,496
Hardwick $1,624 $1,372
Marksboro $1,405 $1,187
Hope $1,432 $1,209
Knowlton $1,373 $1,160
Frelinghuysen $1,020 $861

Blairstown, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Blairstown, NJ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,490
20 Years $2,174
30 Years $1,675
40 Years $1,611
50 Years $1,492
60 Years $1,513
70 Years $1,761

Blairstown, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Blairstown, NJ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,910 $474
3 Vehicles $4,365 $711
4 Vehicles $5,820 $948

Savings on 2 Vehicles bundle:$474

Savings on 3 Vehicles bundle:$711

Savings on 4 Vehicles bundle:$948

Blairstown, NJ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Blairstown, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Blairstown $1,692 $2,898
Mount Hermon $1,689 $2,893
Hainesburg $1,719 $2,944
Hardwick $1,716 $2,939
Marksboro $1,651 $2,828
Hope $1,706 $2,922
Knowlton $1,683 $2,883
Frelinghuysen $1,722 $2,950

Blairstown, NJ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,452
Excellent (740-799) $1,657
Good (670-739) $1,763
Average (580-669) $2,300
Poor (300-579) $2,760

Blairstown, NJ Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Frank Gargin Allstate 191 Woodport Rd, Sparta, 7871 (973) 729-8644
Protection Plus Associates Inc Travelers 96 ROUTE 206 N, AUGUSTA, 7822 973-579-6776
Lillyanne Park Farmers 84 E Ridgewood Ave Ste 203, Ridgewood, 7450 (201) 445-9900
Nick Fuccilli Allstate 18A E Prospect St, Waldwick, 7463 (201) 493-0150
Joseph D Giordano Insurance Agency Inc Travelers 1300 RT 519, HOPE, 7844 908-459-4529
Stephen B Petrik Agency Travelers 2780 MORRIS AVENUE, UNION, 7083 908-964-1477
Derek Vannelli State Farm 1212 Route 23 North, Butler, 7405 973-838-0220
Thomas Delaney Insurance None 138 Ave, Bloomfield, 7003 None

Blairstown, NJ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$74 $1,766
Driver's Failure In Showing Documents +$164 $1,856
Driving With An Expired Registration +$174 $1,866
Driving At A Considerably Slow Pace +$367 $2,059
Using A Cellphone While Driving +$387 $2,079
Running A Red Light +$394 $2,086
Speeding +$415 $2,107
Driving A Vehicle Without The Required Permission +$526 $2,218
Driving With An Expired/Suspended License +$1,140 $2,832

Blairstown, NJ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,624
Active Disabling Device $1,624
Tracking Device $1,590
Passive Disabling Device $1,574