Morris Plains Auto Insurance Rates, Quotes, Agents & Reviews in NJ

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.

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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 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