New Jersey Skylands vs. Personal Service: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Personal Service offers significantly less expensive rates than New Jersey Skylands
• New Jersey Skylands offers more discounts than Personal Service Insurance Company
• Personal Service offers more affordable prices for couples purchasing insurance together

New Jersey Skylands vs. Personal Service: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to New Jersey Skylands or Personal Service as your top options, but between the two, which one has more affordable premiums for car insurance?

Looking at nationwide averages, Personal Service has average rates that are about 30% per month cheaper than those from New Jersey Skylands.

Even so, Personal Service may not be the lowest or best option for every driver out there. Insurance companies use all sorts of complex algorithms to calculate rates, so depending on how clean your driving record is or where you live (among quite a few other factors), you could see wildly different prices from the ones above.

Wanting to know if New Jersey Skylands or Personal Service is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

New Jersey Skylands or Personal Service: Average Car Insurance Rates by State

Both New Jersey Skylands and Personal Service only offer auto insurance in New Jersey, so you'll see that the average figures here will mirror the ones we mentioned above. For New Jersey residents, Personal Service offers insurance for $325 a month on average. New Jersey Skylands's average premiums come out to be over 40% more expensive, at $460 monthly.

Typically, where you live will play a large role in how much you pay for auto insurance, but since both companies only do business in New Jersey, a whole range of other factors will come into play when you compare New Jersey Skylands and Personal Service. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. That's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Personal Service for their insurance pay nearly $350 less than those who use New Jersey Skylands.

But with both carriers, you'll see your rates lower significantly once you turn 25. For example, average prices for New Jersey Skylands policyholders drop almost 60% and Personal Service's premiums reduce nearly 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase premiums.

So, which company offers the best rates to retired drivers? Personal Service gets the edge, with prices for drivers 65 and older more than 35% more affordable than the national average for New Jersey Skylands.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be less expensive for married couples than they are for those who are single. That's because policies for married drivers generally cover more than one car, which quite a few companies will offer you a discount for.

When it comes to relationship status, Personal Service is the clear winner for single policyholders, with rates around $168 a month cheaper than New Jersey Skylands, on average. For married policyholders, the advantage is clear again - Personal Service has the edge when it comes to average premiums.

New Jersey Skylands vs. Personal Service: Average Rates by Gender

You may not know, but men normally pay more for car insurance than women do. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim.

Generally, men see prices about $7 per month higher with New Jersey Skylands, and around $46 more with Personal Service.

Looking at the data for each carrier specifically, Personal Service offers the most affordable average rates for both men and women. On average, women save about $155 a month and men save about $116 with Personal Service compared to the average New Jersey Skylands policyholder.

New Jersey Skylands or Personal Service: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Personal Service typically offers more affordable premiums of $228 compared to New Jersey Skylands's $297. When it comes to full coverage policies with similar limits, Personal Service again has the edge, with policies around $200 per month cheaper than New Jersey Skylands, on average.

Is New Jersey Skylands or Personal Service Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and collisions on your record, but which of these two companies offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

New Jersey Skylands policyholders can expect their rates to go up an average of $67 a month if they get a ticket, while Personal Service generally raises prices about $35 per month, on average.

Even so, Personal Service is typically the less expensive option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $62 a month and drivers with a ticket can save about $94 per month with Personal Service Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through New Jersey Skylands can expect to see around an $67 -- or about 17% -- increase in their insurance premiums. Drivers who use Personal Service for their car insurance will see a monthly bill around $90 (or 26%) more expensive after reporting an accident to their auto insurance company.

Overall, drivers who use Personal Service end up with the cheaper prices after an accident, with monthly prices averaging $348 compared to New Jersey Skylands Insurance's $387.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. For example, New Jersey Skylands increases average premiums by just under $450 a month -- that's over a 55% increase.

If you have a DUI on your record and are looking for more affordable rates, Personal Service tends to be the much more affordable option with average premiums of $400 per month compared to $747 from New Jersey Skylands.

How does Credit Score Impact New Jersey Skylands and Personal Service Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for lots of drivers.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at New Jersey Skylands and Personal Service, which company has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Personal Service. Policyholders with "excellent" credit can save just under 25% compared to New Jersey Skylands, and those with "good" scores can also expect to see savings -- about $87 or 22% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Personal Service typically offers lower premiums than New Jersey Skylands when it comes to drivers with bad credit. Drivers with "fair" credit pay around $122 per month less with Personal Service compared to New Jersey Skylands, and those with "poor" scores usually save an average of about $251 a month.

Is New Jersey Skylands or Personal Service Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on your monthly rates? Normally, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

In this case, neither New Jersey Skylands or Personal Service report increasing prices for drivers with higher annual mileage figures. Even so, Personal Service comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $325 a month for both.

New Jersey Skylands vs. Personal Service: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a sizable impact on your monthly insurance cost. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer vehicles on the roads in those areas.

Personal Service boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but Personal Service comes out on top with average prices around $217 per month. Personal Service also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $153 and $116 per month respective difference when compared to New Jersey Skylands drivers in similar areas.

New Jersey Skylands vs. Personal Service Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts New Jersey Skylands and Personal Service offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

New Jersey Skylands knocks Personal Service out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to Personal Service's 10.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for insuring multiple cars with the same company. New Jersey Skylands also offers advance quote discounts, company car discounts, distant student discounts, and more that Personal Service does not.

On the flip side, Personal Service has a couple unique discounts of its own -- cellphone safety discounts, good payer discounts, multi-car/single driver discounts, and more.

Final Thoughts: Is New Jersey Skylands or Personal Service Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is New Jersey Skylands or Personal Service the right company for you and your specific needs?

Personal Service might be best for you if....

• You want to save money on your insurance after a collision.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

New Jersey Skylands might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between New Jersey Skylands and Personal Service. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of carriers, not just New Jersey Skylands and Personal Service. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

New Jersey Skylands vs. Personal Service FAQs

Is New Jersey Skylands or Personal Service cheaper?

Looking just at the national average premiums, Personal Service is the cheaper of the two carriers, offering average rates of $325 a month compared to $460 for New Jersey Skylands. That being said, Personal Service won't necessarily be the most affordable carrier for every driver, since there are multiple different variables that are considered when it comes to your car insurance payment.

Who is better, New Jersey Skylands or Personal Service?

Sadly, the answer truly is "it depends.". One company is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do New Jersey Skylands and Personal Service offer me different rates?

Car insurance companies take a look at a lot of different factors when determining the prices they charge policyholders. Variables like your driving record, where you park your car, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both New Jersey Skylands and Personal Service calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if New Jersey Skylands or Personal Service is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be New Jersey Skylands or Personal Service at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.