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.
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 Rates
- Blairstown, NJ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Blairstown, NJ
- Multi Vehicle Insurance Savings in Blairstown, NJ
- How Credit Score Affects Car Insurance Rates in Blairstown, NJ
- How DUI Affects Auto Insurance Premiums in Blairstown, NJ
- Top Auto Insurance Agents Near Blairstown, NJ
- How Driving Violations Affect Auto Insurance Rates in Blairstown, NJ
- Blairstown, NJ Auto Insurance Discounts on Anti Theft Feature
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 |