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Old 01-02-2003, 11:11 AM   #1
subarex
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Member#: 22967
Join Date: Aug 2002
Location: Long Island/Dirty Jersey
Vehicle:
2002 WRX (RIP)
2002 IS300 5-Speed

Default Cost of Insurance: NY vs. NJ

I recently moved from Bellmore, NY (right by Jones Beach) to Morristown, NJ. My car still has NY plates and NY insurance. I am paying about $3900 a year for full coverage. I'm a 22 year old male with a clean driving record. I guess eventually I am supposed to switch my vehicle registration over to NJ. So what changes should I expect in rates? What are other people paying for insurance around Morristown who are about my age. Thanks for the help.
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Old 01-02-2003, 11:32 AM   #2
2MANYCARS
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Member#: 24046
Join Date: Sep 2002
Chapter/Region: Tri-State
Location: Hong Kong & US
Vehicle:
2007 STi, EVO, M6
E55, ML63, & Old 02 WRX.

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Expect a higher rate for full coverage in NJ. I would say at least 4500 for the whole year. That's the average price people are paying with big companies like State Farm and All State. If you could qualify for NJ Manufacturer, go for it, as it's the cheapest insurance company here. Good luck!!
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Old 01-02-2003, 12:15 PM   #3
RidinLow
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Join Date: Sep 1999
Chapter/Region: Tri-State
Location: NJ
Vehicle:
1995 325i
Arctic Gray

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My insurance dropped by almost $1000 moving from Queens NY to Green Brook NJ. Full coverage on WRX, S2000, & CL is around $4000-something a year. www.njcure.com
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Old 01-02-2003, 12:32 PM   #4
Dealer Xing
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Chapter/Region: Tri-State
Location: NY/NJ
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Crazy, that's more than $300 / month. I guess I'll stick with driving beater cars.
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Old 01-02-2003, 12:34 PM   #5
StuBeck
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Chapter/Region: Tri-State
Location: Rochester, NY
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2009 Honda Fit

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Yea, I am VERY happy I'm driving a beater right now, 110 a month for me at the moment, though that will probably go up when I get a real car
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Old 01-02-2003, 12:53 PM   #6
NotoriousWRX
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There's a lot of things that affect the rate. In your case, the distance that you drive to work/school will be the deciding factor as to where you'll pay more.

If everything other than the location is exactly the same, then the rate for Morristown, NJ will be cheaper.
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Old 01-02-2003, 02:01 PM   #7
subarex
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Join Date: Aug 2002
Location: Long Island/Dirty Jersey
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2002 WRX (RIP)
2002 IS300 5-Speed

Default

Damn I guess Jersey is really expensive too. My commute is only 6 miles each way. What's NJ Manufacturer and how would I qualify?
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Old 01-02-2003, 02:30 PM   #8
JerzyWRX
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White

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Hey Subarex, Do you live right down the street from the Court House? I pass by there every day and see a silver WRX with NY plates parked on the side of the road.
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Old 01-02-2003, 04:00 PM   #9
subarex
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Location: Long Island/Dirty Jersey
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2002 IS300 5-Speed

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yeah man, thats me, I live in the ugly pink house across the street from where I park.
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Old 01-02-2003, 05:47 PM   #10
NotoriousWRX
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www.njm.com

It is a pain at first, because you have to fill out forms and mail them in just to get a quote, but trust me, it is well worth the effort if you qualify. The rates are cheaper than everyone else, they have paid a dividend to their policyholders every year that they have been in operation and you don't have to worry about a premium increase if you get a ticket.
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Old 01-02-2003, 09:09 PM   #11
JerzyWRX
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White

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Well im the white wrx that passes by in the morning around 8. Work pretty much right down the street.
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Old 01-03-2003, 10:52 AM   #12
subarex
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Join Date: Aug 2002
Location: Long Island/Dirty Jersey
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2002 WRX (RIP)
2002 IS300 5-Speed

Default

So does NJM have something to do with where I work?

JerzyWRX: Where do you work?
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Old 01-03-2003, 11:24 AM   #13
NotoriousWRX
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Quote:
Originally posted by subarex
So does NJM have something to do with where I work?
Check out the link that I posted.
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Old 01-03-2003, 12:05 PM   #14
JerzyWRX
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2002 WRX
White

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I work in the Washington Building on Skyler for the Sheriff's Office.
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Old 01-03-2003, 11:54 PM   #15
NeedaWRX
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Join Date: Oct 2002
Vehicle:
2003 Black
WRX

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Wow I just signed up with NJM. I've been on my father's policy and I am moving off to my own with the purchase of my WRX (first new car.) They quoted me at $2900, I'm 22 and have no accidents or tickets. Also guys remember that insurance companies are pulling out of NJ so NJM has had a crazy increase in applications, they said if you mail in your app it could take from 30 to 45 days for a reply. I did it over the phone on the 24th and they called me back today to get stuff finished up. Remember your rates don't increase with tickets/accidents but they WILL throw you off if you have too many.


Mike
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