Remember - driving safely saves money and lives, too. Premiums also are based on a driver's age, gender, place of garaging and use, among other factors. Collision and comprehensive premiums are dependent upon the value and type of vehicle. You should discuss the availability of these discounts with your insurance company, agent or broker. The harsh reality is that fraud costs the state's citizens billions of dollars each year.
New Jersey has some of the toughest anti-fraud laws in the nation.