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I forgot to mention i have the home and cars insured w/njm, so there is a discount for that. Further, where you live has a huge basis on your quotes too.....you live in newark your rate may be higher due to the probability your car may have a claim against it. I even lowered my premium by telling them i drive 3 miles to the bus station over 5 miles..yes, every little bit matters....cars in garage vrs driveway or street = more $..parked in a parking garage at work could benefit you..all questions were asked when i got my policy as well as duration of work (m-f)..more hrs/mileage your on the road= greater probability a possible claim could occur...its all about dollars and cents or as they said in training day 'smiles and cries'.
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