Easy Ways to Pay Less on Northvale Car Insurance

Purchasing cheap Northvale car insurance on the internet may be challenging for beginners to buying insurance online. With dozens of choices, how can consumers even start to compare every one to find the best available rates?

Pricing the cheapest protection in Northvale is quite easy. In a nutshell, anyone who is required by state law to have car insurance will be able to save money. But New Jersey consumers do need to know how big insurance companies sell online and apply this information to your search.

Free Northvale Car Insurance Quotes

Effectively comparing car insurance prices can take hours if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Northvale, or you could use online quoting for quick rates.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote based on that data. This eliminates the need for quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is that consumers can't choose which companies to get quotes from. So if you want to choose specific providers to request quotes from, we have a page of companies who write car insurance in New Jersey. Click to view list.

Which method you use is up to you, but make darn sure you compare apples-to-apples quote information for each comparison quote. If you have mixed coverages you can't possibly determine the lowest rate in Northvale. Just a small difference in insurance coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to lower car insurance prices.

Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Careers like lawyers, architects and stock brokers tend to have the highest rates due to stressful work requirements and lengthy work days. On the other hand, occupations like pilots, students and performers receive lower rates.
Older drivers save more - Youthful drivers in New Jersey are known to be careless and easily distracted when driving so car insurance rates are higher. Having to add a youthful driver to your car insurance policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men have accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
Bad driving skills means higher rates - Careful drivers get better rates compared to drivers with tickets. Just one ticket can boost insurance rates by as much as thirty percent. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Marriage brings a discount - Having a spouse can get you a discount when buying car insurance. Having a significant other means you're more mature than a single person and statistics show married drivers get in fewer accidents.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. A few discounts will automatically apply when you purchase, but less common discounts must be manually applied before being credited.

Government Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.
Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Accident Waiver - Some insurance companies allow you one accident without raising rates if your claims history is clear prior to the accident.
Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up online.
Early Switch Discount - Some companies give discounts for buying a policy before your current policy expires. It's a savings of about 10%.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

For a list of insurance companies who offer car insurance discounts in New Jersey, follow this link.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else's.

For example, these questions may help you determine if your insurance needs might need professional guidance.

Why am I required to get a high-risk car insurance policy?
Why does it cost so much to insure a teen driver in Northvale?
Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in New Jersey?
Does my liability insurance cover pulling a trailer or camper?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form.

Much more information about car insurance in New Jersey can be found on the New Jersey Department of Banking and Insurance website found here. Visitors are able to read industry bulletins, read enforcement actions against agents and companies, and learn about insurance regulations.

Other useful links include this online resource for car insurance quotes in New Jersey and this list of insurance agents in Northvale.

Final considerations

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, denial of a claim and poor customer service. It doesn't matter what your reason, finding a new car insurance company is not as hard as you think.

As you shop your coverage around, don't be tempted to reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

Discount car insurance can be sourced both online and also from your neighborhood Northvale agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and these regional insurance providers work with independent agents.