Morris Plains, NJ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Morris Plains, 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.
Cheapest Car Insurance in Morris Plains, NJ
The average cost of car insurance in Morris Plains, NJ, is $1,793. Auto insurance is a must in Morris Plains, NJ. There are many reasons for this, but the most important one is that it can help protect you financially if you are ever in an accident. Even a minor accident can cause major financial problems, and if you are at fault, your auto insurance will help to pay for the damages. Auto insurance is not just for accidents, however. If your car is stolen, your insurance will help to pay for a replacement. If you are sued for damages caused by your car, your insurance will help to pay for your legal defence. In short, auto insurance is a vital part of owning a car, and it is important to make sure that you have the coverage you need.
Many types of auto insurance are available, and the best way to find the right policy is to talk to an insurance agent. An agent can help you to understand your options and find the right policy for your needs. Make sure to shop around and compare rates before you buy, as rates can vary significantly from one company to the next. This article will help you to get the Morris Plains, New Jersey, vehicle insurance policy that best suits your needs and budget.
Auto Insurance Rates Based on the Age of the Driver
Auto insurance rates are based on many factors, including the driver's age. In Morris Plains, NJ, drivers under the age of 20 are typically charged higher rates than older drivers. This is because younger drivers are considered to be riskier. They are more likely to get into accidents and cause accidents. For instance, in Morris Plains, New Jersey, teen drivers must pay $5,818 for auto insurance, whereas drivers over 40 have to pay $1,707.
Auto Insurance Rates Based on Credit History
Auto insurance rates in Morris Plains, NJ, are based on credit history. Drivers with good credit histories will pay less for their auto insurance than drivers with poor credit histories. This is because insurers believe that drivers with good credit are more responsible and less likely to file claims. For instance, in Morris Plains, New Jersey, drivers with exceptional credit scores pay $1,538 for auto insurance, while those with poor credit scores must spend $2,925 for the same coverage.
Auto Insurance Rates Post-DUI
DUI stands for driving under the influence and is a serious offence. If you're convicted of DUI, you could face jail time, a fine, or losing your driver's license. A DUI conviction will also stay on your driving record for at least three years, and it could make it hard to get auto insurance. Auto insurance rates in Morris Plains, NJ, are likely to increase after a DUI conviction. Insurance companies consider drivers with a DUI high-risk, and high-risk drivers usually pay higher rates. If you're convicted of DUI in Morris Plains, you can expect your auto insurance rates to go up. In Edgewood, Iowa, the average cost of auto insurance is $1,793. The rate increases to $3071 after a DUI. Stay away from drinking and driving to save money on Edgewood, Iowa, auto insurance.
Factors that can influence the cost of car insurance in Morris Plains, 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.
- Morris Plains, NJ Auto Insurance Rates
- Morris Plains, NJ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Morris Plains, NJ
- Multi Vehicle Insurance Savings in Morris Plains, NJ
- How Credit Score Affects Car Insurance Rates in Morris Plains, NJ
- How DUI Affects Auto Insurance Premiums in Morris Plains, NJ
- Top Auto Insurance Agents Near Morris Plains, NJ
- How Driving Violations Affect Auto Insurance Rates in Morris Plains, NJ
- Morris Plains, NJ Auto Insurance Discounts on Anti Theft Feature
Morris Plains, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Morris Plains, NJ with that of other cities in and around Morris Plains.
Morris Plains | Morristown | Mountain Lakes | Morris County | Morris | Hanover | |
---|---|---|---|---|---|---|
Average Insurance Rates | $1,793 | $1,765 | $1,961 | $1,208 | $1,831 | $1,789 |
Morris Plains, 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 Morris Plains, 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) |
---|---|---|
Morris Plains | $1,071 | $905 |
Hanover | $1,928 | $1,629 |
Parsippany-Troy Hills | $1,405 | $1,187 |
Morristown | $1,900 | $1,605 |
Morris | $1,978 | $1,670 |
Denville | $1,868 | $1,578 |
Mountain Lakes | $1,435 | $1,212 |
Morris County | $1,348 | $1,139 |
Morris Plains, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Morris Plains, 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 | $5,818 |
20 Years | $2,304 |
30 Years | $1,774 |
40 Years | $1,707 |
50 Years | $1,581 |
60 Years | $1,603 |
70 Years | $1,866 |
Morris Plains, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Morris Plains, 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 | $3,084 | $502 |
3 Vehicles | $4,626 | $753 |
4 Vehicles | $6,168 | $1,004 |

Savings on 2 Vehicles bundle:$502

Savings on 3 Vehicles bundle:$753

Savings on 4 Vehicles bundle:$1,004
Morris Plains, 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 Morris Plains, NJ.
Location | Average Insurance Cost | Post DUI Insurance Rate |
---|---|---|
Morris Plains | $1,793 | $3,071 |
Hanover | $1,789 | $3,064 |
Parsippany-Troy Hills | $1,755 | $3,006 |
Morristown | $1,765 | $3,023 |
Morris | $1,831 | $3,136 |
Denville | $1,738 | $2,977 |
Mountain Lakes | $1,961 | $3,359 |
Morris County | $1,208 | $2,069 |
Morris Plains, 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) | $1,538 |
Excellent (740-799) | $1,756 |
Good (670-739) | $1,868 |
Average (580-669) | $2,438 |
Poor (300-579) | $2,925 |
Morris Plains, 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 |
---|---|---|---|
Louis Campisano | Farmers | 26 Columbia Tpke Ste 103, Florham Park, 7932 | (973) 845-6004 |
John Cote | Allstate | 228 Ridgedale Ave, Cedar Knolls, 7927 | (973) 538-9500 |
Hanlon Insurance Agency, Llc | None | 3155 Route 10 East 3155 Route 10 East Denville, Denville, 7834 | None |
The Pellechio Ins Agency Llc | Travelers | 176 PARSIPPANY RD, PARSIPPANY, 7054 | 973-560-1288 |
Atlantic Insurors Inc | Travelers | 16-17 ROUTE 208 SOUTH, FAIRLAWN, 7410 | 201-794-7222 |
Automatic Data Processing Insurance Agency Inc | Liberty Mutual Independent | ONE ADP BLVD MS 325, ROSELAND, 7068 | (800) 524-7024 |
Automatic Data Processing Insurance Agency Inc | Liberty Mutual Independent | ONE ADP BLVD MS 325, ROSELAND, 7068 | (800) 524-7024 |
Kareem Green | Liberty Mutual | 7 Becker Farm Road, Roseland, 7068 | 1-973-422-7703 |
Morris Plains, 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 | +$79 | $1,872 |
Driver's Failure In Showing Documents | +$174 | $1,967 |
Driving With An Expired Registration | +$185 | $1,978 |
Driving At A Considerably Slow Pace | +$389 | $2,182 |
Using A Cellphone While Driving | +$411 | $2,204 |
Running A Red Light | +$418 | $2,211 |
Speeding | +$439 | $2,232 |
Driving A Vehicle Without The Required Permission | +$558 | $2,351 |
Driving With An Expired/Suspended License | +$1,208 | $3,001 |
Morris Plains, 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 | $1,721 |
Active Disabling Device | $1,721 |
Tracking Device | $1,685 |
Passive Disabling Device | $1,667 |