Free Guide to Paying Less for Morristown Car Insurance Online

No one likes having to buy car insurance, especially when the cost is way too high.

There are many to pick from, and even though it's nice to be able to choose, it makes it harder to compare rates.

It's important to check car insurance prices occasionally because rates are constantly changing. Even if you think you had the best price six months ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we're going to demonstrate how to quote online to find better coverage at a better price.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that play a part in calculating your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

  • Teen drivers pay high rates - Young drivers in New Jersey have a tendency to be more careless behind the wheel so they pay higher car insurance rates. If you've ever had to add a youthful driver to your policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Do you qualify for a multi-policy discount? - Some insurers will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount you may still want to comparison shop to make sure you are getting the best deal.
  • Add-on coverages can add up - There are quite a few additional coverages that you can buy on your policy. Coverages for vanishing deductibles, towing coverage and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don't need them eliminate them to save money.
  • Where you live can impact rates - Living in a small town can be a good thing when it comes to car insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer drivers means fewer accidents.

Morristown car insurance comparison

Finding Car Insurance Deals in Morristown, NJ

Performing a rate comparison can take time and effort if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Morristown, or you can utilize the internet to get prices fast.

Most of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company then gives them pricing based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is you are unable to specify which providers to receive prices from. If you would rather choose individual companies to compare, we put together a list of low cost car insurance companies in New Jersey. Click here to view list.

It's up to you which method you use, but make absolute certain that you use identical coverage limits for every quote you compare. If each company quotes differing limits it will be impossible to determine the best price in Morristown. Quoting even small variations in coverages can make a big difference in price. And when quoting car insurance, remember that quoting more helps you find better pricing.

How much can you save with discounts?

Companies that sell car insurance do not advertise all their discounts very clearly, so we took the time to find some of the more common and the more hidden savings tricks you should be using.

  • College Student - Kids in college who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safety Course Discount - Taking a driver safety course can save you 5% or more if your company offers it.
  • Bundle and Save - If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.
  • Discount for Swiching Early - A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Air Bag Discount - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky.

To choose companies with discount car insurance rates in New Jersey, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to make an identical promise about savings if you change to them. How does each company make the same claim?

Different companies have a certain "appetite" for the type of driver that makes them money. For example, a desirable insured could be a mature driver, owns a home, and has a high credit rating. A customer who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay higher prices and ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save money. That is how companies can truthfully state the savings. Because of the profiling, you need to get quotes from several different companies. Because you never know which company will have the lowest rates.

How much car insurance do I need?

When buying the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's needs are different so your insurance should reflect that For example, these questions might point out if your insurance needs would benefit from professional advice.

  • What are New Jersey no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be found at the New Jersey Department of Banking and Insurance website. Consumers can read enforcement actions against agents and companies, read consumer alerts, discover disciplinary actions, and view agent and company licensing information.

Other informative sites include Auto Insurance 101 and this page of insurance agents in Morristown.

Morristown car insurance quote

Do the work, save more money

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There are many occasions where an insured cut physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at an affordable rate.

Cheaper car insurance is attainable from both online companies and with local Morristown insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

We just showed you some good ideas how you can compare car insurance prices online. It's most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with an unexpected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .