Comparing the Cheapest Fords Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as millions of other consumers. Popular companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to check auto insurance prices once or twice a year because insurance rates are constantly changing. Even if you got the best rates on your last policy a different company probably has better rates today. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to find cheap auto insurance.

If you have insurance now or are looking for a new policy, you can learn to get lower rates and possibly find even better coverage. Buying car insurance in Fords is quite easy. New Jersey drivers only need an understanding of the most efficient way to get comparison rates online.

Save big with these discounts

Insuring your vehicles can cost a lot, but there are discounts available that many people don't even know exist. Certain discounts will be applied when you complete an application, but some may not be applied and must be inquired about before they will apply. If you aren't receiving every discount available, you are throwing money away.

Homeowners Pay Less - Owning a house in Fords can save you money because owning a home demonstrates responsibility.
Military Rewards - Being deployed with a military unit could mean lower rates.
Theft Prevention System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
Defensive Driver - Taking part in a course in driver safety could save 5% or more if you qualify.
Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
Save over 55 - If you qualify as a senior citizen, you may qualify for reduced rates.
Clubs and Organizations - Participating in a civic or occupational organization may earn a discount on auto insurance.

Consumers should know that some credits don't apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will reduce your overall premium however.

What determines how much you pay?

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with big savings.

Listed below are some of the items companies use to determine rates.

Having a spouse can save you money - Getting married can actually save you money on auto insurance. It is viewed as being more mature and responsible and it's proven that drivers who are married are more cautious.
Car features impact rates - Driving a car with an alarm system can help bring down rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
More than one policy can earn a discount - Most insurance companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal. You may still be able to find better rates by buying auto insurance from a different company.
Little extras can really add up - There are many extra bells and whistles that you can buy on your auto insurance policy. Insurance for roadside assistance, towing coverage and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don't need them eliminate the coverages to reduce your premium.
Older drivers pay less - Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers are statistically proven to get distracted easily in a vehicle and because of this, their auto insurance rates are much higher.
Protect your assets with liability insurance - Liability insurance will protect you if ever a court rules you are at fault for damages from an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
Your job and insurance rates - Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, social workers and dentists tend to pay the highest average rates because of job stress and lots of time spent at work. Other professions such as farmers, historians and homemakers have the lowest average rates.

Auto insurance ads bend the truth

New Jersey consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to have a common claim of big savings if you switch to them.

How can each company make almost identical claims?

All the different companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and has great credit. A driver that hits that "sweet spot" will get the preferred rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" not "people who quote" save money. That's why insurance companies can confidently advertise the savings.

Because of the profiling, drivers should compare as many rates as you can. It is impossible to predict the company that will fit your personal profile best.

More New Jersey auto insurance information

Additional auto insurance information can be read on the website for the New Jersey Department of Banking and Insurance located here. New Jersey consumers can get help finding coverage, view a list of available companies, read consumer alerts, and discover disciplinary actions.

A tidy conclusion

Cost effective auto insurance can be found online and with local Fords insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When you buy insurance online, it's not a good idea to skimp on coverage in order to save money. In many cases, an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford.