New Jersey has its own set of traffic laws you should be well aware of before shopping for car insurance. Once you know how these laws work you should bear in mind that the national average of car insurance is around $1800. As a result this may lead to a significant difference between larger nation-wide companies such as Geico and Allstate and those of local service providers. Also bear in mind that age and credit rating as well as other factors can have as much as a 30% a fact on your car insurance rates or even more. Because different companies weigh each of these factors a different amounts it is important to check every available source to get the best rate for you. Take advantage of online insurance quotes to get your information faster to get yourself better informed and save you more money.