Anyone can jump online and blindly start filling in forms on one of the many websites designed to let you compare the cost of automobile insurance between different insurance companies. But unless you know the right answers to plug into the form you're not really getting the results you're hoping to get.



Before you go online to find the best price for your automobile insurance it would pay you to take a moment and put together - on paper - a policy that is designed from the ground up to provide you with the car insurance you need at the lowest price possible.

Then, when you make your price comparisons online you'll really and truly be finding the very best price you can possible get for you car insurance.

So what are some of the things you can do to lower your car insurance rates immediately?

The most important thing you can do to keep your insurance rates as low as possible is to keep your driving record clean. In other words, don't speed and don't do anything else that will place a moving violation on your record.

Whatever you do, never drive drunk or impaired. Do you have any idea what even one conviction for Driving While Intoxicated (DWI) or Driving Under the Influence (DUI) will do to your car insurance rates? One conviction can almost double your rates. And if you are convicted for a second DWI or DUI you'll be lucky to find car insurance at any price.

Can you keep your car in a garage at night? If you can, let your agent know as this will save you some money every month.

What's your credit score? Many people are unaware that their credit score affects how much they pay for car insurance, but it does. Keep your credit in check and do whatever you can to raise your score because the better your credit score the lower your monthly car insurance premium is going to be.

If you have other insurance policies it will save you money if you can consolidate them all with the same insurance agency. In this way you will qualify for a Multiple-Policy Discount on your car insurance.

Have you been with the same insurance company for at least 5 years? If so, be sure you are getting your Long Term Discount on your car insurance.

Are you under 25? Drivers under 25 are automatically placed in a higher-risk category and their rates are higher. If you can stay on a parents' policy until you have your 25th birthday that will help to keep your rates a little lower, and if you stay in school and maintain at least a 3.0 grade point average you will save an additional 5% as a Good Student Discount.

Are you 55 or older? Many car insurance companies will allow you to take a special driver's refresher course that (assuming you pass it ) will save you about 10% a month on your premiums. Ask your agent if your company offers such a program.

Don't make small or frivolous claims. Many insurance companies offer you a discount or will reduce your deductible if you go as little as 6 months without filing a claim.

If you drive an older car which no longer has any Kelly Blue Book value then you are just throwing your premium dollars down the drain if you continue paying for collision or comprehensive insurance. Save your cash.

And speaking of cash, how large of a deductible can you afford? Consider carefully because the size you choose represents the chuck of cash you will have to come up with out of your own wallet if you should ever file a claim. With that in mind, the larger your deductible the lower your monthly car insurance premium will be.

All right. You now have enough information to intelligently answer the questions on several of the car insurance price comparison websites so that you can create the least expensive policy possible.

Don't get lazy and think that you only need to make your comparisons on one website. You'll need to make comparisons on at least 3 websites if you want to insure that you are really and truly finding the best price possible and getting the cheapest car insurance online in New Jersey that you possibly can.