Easy Tips to Spend Less on Northfield Car Insurance

Are you intimidated by the wide range of car insurance companies in Northfield? Lot's of other consumers are too. People have so many options available that it can turn into a real challenge to find the perfect company for you.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply at quote time, but some may not be applied and must be asked about in order for you to get them.

  • Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Homeowners Discount - Simply owning a home can help you save on car insurance because owning a home demonstrates responsibility.
  • Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Defensive Driver - Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.

It's important to note that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will cut your premiums.

To see a list of insurance companies offering car insurance discounts in Northfield, click here to view.

compare Northfield car insurance rates

How to Compare Car Insurance in Northfield, New Jersey

Comparing car insurance rates can be a daunting task if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with local insurance agents in Northfield, or you can utilize online quotes to get pricing more quickly.

Many insurance companies belong to a marketplace that enables customers to send in one quote, and every company provides a quote. This saves time by eliminating quote requests to each individual car insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is that consumers can't choose which carriers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of low cost car insurance companies in New Jersey. Click here for list of insurance companies in New Jersey.

It's your choice how you get your quotes, but ensure you are comparing the exact same coverages and limits for every company. If you compare different deductibles it will be impossible to decipher which rate is best in Northfield. Quoting even small variations in limits can result in a big premium difference. Just remember that comparing a large number of companies will increase your chances of finding a lower rate.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the different types of things that go into determining your car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
  • Do you know your deductibles? - Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The more expense you have to pay, the less your car insurance will be.
  • How's your driving record? - A bad driving record impacts your car insurance rates tremendously. Drivers who don't get tickets receive lower rates than bad drivers. Even one speeding ticket can bump up the cost forty percent or more. If you have serious violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Don't buy coverages you don't need - There are many extra coverages that can waste your money on your policy. Coverages like personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so get rid of them and save.
  • Liability insurance protects assets - Liability insurance provides coverage when you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Pay less after the wedding - Getting married can actually save you money on your policy. Having a significant other translates into being more mature and it's statistically proven that being married results in fewer claims.

The car insurance bait and switch

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all make an identical promise that you can save if you switch your coverage to them. How do they all make the same claim?

Insurance companies are able to cherry pick for the type of customer that is profitable for them. A good example of a driver they prefer could be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will be quoted more money and ends up with business going elsewhere. The ads say "people who switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the way they do.

This emphasizes why drivers must get quotes from several different companies. Because you never know which car insurance company will provide you with the cheapest rates.

Shop smart and save

People switch companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, poor customer service or questionable increases in premium. Regardless of your reason, finding the right car insurance provider is actually quite simple.

Lower-priced car insurance is available from both online companies as well as from independent agents in Northfield, so compare prices from both in order to have the best chance of saving money. Some car insurance companies don't offer the ability to get a quote online and these small insurance companies work with independent agents.

We just showed you many tips how you can compare car insurance prices online. The key thing to remember is the more providers you compare, the better chance you'll have of finding lower rates. You may be surprised to find that the best prices are with an unexpected company.

Learn more about New Jersey car insurance

More information can be read on the New Jersey Department of Banking and Insurance website through this link. Consumers can view a list of available companies, report car insurance fraud, and file complaints about a company.