Find Cheaper Jersey Shore Car Insurance

Comparison shopping for Jersey Shore car insurance is hard for beginners to comparing rates online. People have so many options that it can turn into a big hassle to locate the lowest price in Jersey Shore.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be requested specifically before they will apply. If they aren't giving you every credit available, you're paying more than you need to.

No Claims - Claim-free drivers can earn big discounts when compared to bad drivers.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
Memberships - Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance.
Safety Course Discount - Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
Senior Citizens - Mature drivers may receive a discount up to 10%.

Keep in mind that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way. But any discount will cut the amount you have to pay.

To see a list of insurance companies with discount car insurance rates in Jersey Shore, click here to view.

Compare the Market for Car Insurance in Jersey Shore

Finding cheaper car insurance prices is not a difficult process. Consumers just need to take a couple of minutes comparing rate quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

The best way consumers can analyze rates is a comparison rater form click to view form in new window. This easy form keeps you from doing boring form submissions for every car insurance company. Taking the time to complete one form gets you price quotes from all major companies. It's the fastest way to compare.
A slightly less efficient method to shop for car insurance online requires a trip to the website of each company and complete a new quote form. For examples sake, let's assume you want rates from , and . To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Jersey Shore, click here.
The least recommended way of getting rate comparisons is to waste gas driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you want the professional advice of a local Jersey Shore agent. However, consumers can obtain prices from the web but buy from a local insurance agent and you'll learn how to do that later.

It's your choice how you get your quotes, but double check that you are using the exact same quote information on every quote. If you use mixed coverages you can't possibly make a fair comparison in Jersey Shore.

Understand what determines the rate you pay

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to lower car insurance prices.

Shown below are some of the factors that factor into prices.

Do you work long hours in a high stress job? - Careers like doctors, business owners and accountants are shown to have higher rates than average due to high stress and lengthy work days. On the flip side, occupations like farmers, athletes and retirees pay the least.
Car features impact rates - Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
Do you have enough liability coverage? - Your policy's liability coverage will protect you when you are found liable for damages caused by your negligence. It provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
Don't buy coverages you don't need - There are quite a few extra bells and whistles that can waste your money when buying car insurance. Coverages like vanishing deductibles, accident forgiveness and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
Males pay more for insurance - The statistics show that men are more aggressive behind the wheel. Now that doesn't mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations like DUI and reckless driving.
An active claims history can cost you - If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies in Pennsylvania award better rates to drivers who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
Clean credit earns discounts - Having a bad credit score is a big factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit. If your credit score is low, you could pay less to insure your by repairing your credit.

Save $429 a year? Really?

Consumers in Pennsylvania can't get away from ads for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all make an identical promise that you can save if you change your policy.

How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer might be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be quoted higher rates and ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can state the savings.

This emphasizes why drivers must get quotes from several different companies. You cannot predict the company that will have the lowest rates.

Best coverage at the best price

People leave their current company for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, questionable increases in premium or delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is actually quite simple.

Affordable car insurance can be sourced both online in addition to many Jersey Shore insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

More information is available on the Pennsylvania Insurance Department website found here. Visitors are able to read industry bulletins, view a list of available companies, and find out which companies have the most complaints.