I recently moved to Edison, New Jersey from a foreign country, and I had a good driving record in that country. I am just wondering why are my car insurance rates so high? Are there any good driver discounts?

George

Edison, NJ

One of the biggest rating factors car insurance providers use to determine your car insurance rate premium is your driving record.

Other factors that are being considered might include where you live, your age and how many miles you drive every year.

Since you do not have a verifiable driving history in the U.S your car insurance premiums in Edison, New Jersey will be higher until you establish a verifiable driving history. Once you operate in the U.S. for a couple of years and establish a safe and good driving record, your car insurance rates should be lowered.

Ask for discounts, you never know what you might be able to get and how much you can save by asking.  Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

If I drive safe for three years straight, does my car insurance company have to give me better rates?

Don’t you wish?

Although it might be nice if safe driving automatically gained you cheap car insurance rates, it is not something that you can always take for granted. Some car insurance companies require longer periods of time, and other may factor in what exactly your previous offense were, or even how many non fault car insurance claims you have on record.

The best way to make sure you get better rates after a long period of safe driving is to make sure that you know this from the get go. Shop around and get safe driver auto insurance quotes online, and find out who gives safe drivers the best prices, when, and what the discounts are.

cheers,

Fashun Guadarrama.