Find Low-Cost Wenonah Auto Insurance

Price shopping your Wenonah auto insurance is challenging for consumers not familiar with shopping for insurance online. There are so many options that it can quickly become more work than you anticipated to locate the lowest price in Wenonah.

It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. If you had the best deal a few years ago you can probably find a better price now. So just forget all the misinformation about auto insurance because it's time to teach you the only way to save on auto insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

Clean credit earns discounts - Your credit rating is a big factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit. If your credit can use some improvement, you could save money insuring your by improving your rating.
Frequent auto insurance claims increase rates - Insurance companies in New Jersey give discounts to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Choose a safe vehicle and save - Cars with high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
Don't let your coverage lapse - Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.You may have to provide proof of insurance in the form of an SR-22 filing with the New Jersey department of motor vehicles.
Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. Women and men are in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.
Discounts for multiple policies - The majority of auto insurance companies give discounts to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to comparison shop to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
Do you need the policy add-ons? - There are a lot of extra bells and whistles you can purchase if you aren't careful. Things like rental car reimbursement, better glass coverage and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.

These discounts can lower your rates

Companies that sell car insurance don't list every available discount very well, so here is a list some of the best known and also the lesser-known ways to save on auto insurance.

Passive Restraints - Vehicles with factory air bags can receive discounts of 20% or more.
Driver's Ed - Cut your cost by having your teen driver take driver's ed class in high school.
Military Discounts - Having a family member in the military can result in better rates.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
One Accident Forgiven - Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To choose providers with the best auto insurance discounts in New Jersey, click this link.

Are you falling for claims of savings?

Companies like State Farm and Allstate regularly use ads on television and other media. All the ads make the same claim about savings if you move your policy. But how can every company say the same thing? It's all in the numbers.

All companies can use profiling for the right customer that makes them money. An example of a preferred risk might be profiled as over the age of 50, has no tickets, and has a short commute. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be charged higher rates which leads to business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully make the claims of big savings. That is why you should get quotes from several different companies. It's not possible to predict the company that will fit your personal profile best.

More New Jersey auto insurance information

Even more information is available at the New Jersey Department of Banking and Insurance website. New Jersey drivers can find out industry alerts, download brochures, and find disaster information.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Wenonah insurance agents.

Final considerations

Throughout this article, we presented some good ideas how to save on auto insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from a small mutual company.

Insureds who switch companies do it for a variety of reasons including poor customer service, extreme rates for teen drivers, unfair underwriting practices or even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

Cheaper auto insurance is possible on the web in addition to many Wenonah insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.