Find the Cheapest Andover Auto Insurance

Purchasing cheap Andover auto insurance over the internet is impossible for consumers new to online price comaprisons. With so many choices of insurers available, how can consumers even start to compare the different rates to find the best available price?

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. This article will teach you the most effective way to quote insurance and some tips to save money. Although New Jersey consumers do need to know the way insurance companies compete online.

How much can you save with discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specially asked for before being credited.

  • Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
  • Payment Method - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy digitally online.
  • Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of insurers who offer auto insurance discounts in Andover, click here to view.

How to Get Cheap Auto Insurance in Andover, NJ

There are several ways to compare auto insurance quotes, and some are more efficient than others. You can waste a lot of time talking about coverages with insurance agencies in Andover, or you can utilize the web to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company returns a rated price based on that data. This saves time by eliminating quote requests for each company you want a rate for.

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

The one disadvantage to getting quotes like this is you are unable to specify which carriers you want pricing from. If you wish to select specific providers to compare rates, we put together a list of low cost auto insurance companies in New Jersey. Click to view list.

It's up to you which method you use, but make sure you use exactly the same coverage information for each comparison quote. If you have unequal deductibles or liability limits it will be next to impossible to determine the lowest rate in Andover. Quoting even small variations in coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more company's prices will increase your chances of finding the best offered rates.

Tips to Get Lower Andover Rates

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are some of the items used by your company to calculate premiums.

  • Higher deductibles cost less - Deductibles for physical damage represent how much money you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more expense you have to pay, the bigger discount you will receive.
  • Where you reside plays a part - Residing in a rural area is a positive aspect when talking about auto insurance. Fewer drivers means a lower chance of having an accident and a lower car theft rate. City drivers have more traffic problems and longer commute times. More time commuting means higher likelihood of an accident.
  • Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men have accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Optional equipment can affect rates - Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
  • Pay less if you're married - Getting married can get you a discount on your policy. Having a spouse translates into being more responsible and it's statistically proven that married drivers get in fewer accidents.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form.

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

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make an identical promise about savings after switching your coverage to them. How can each company claim to save you money?

All companies have a preferred profile for the type of customer that is profitable for them. A good example of a profitable customer might be a mature driver, has no prior claims, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements must pay higher prices and ends up with the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully state the savings.

This illustrates why drivers must get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

Shop smart and save

The cheapest auto insurance can be bought both online as well as from independent agents in Andover, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don't offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

People change insurance companies for many reasons like lack of trust in their agent, delays in paying claims, denial of a claim or unfair underwriting practices. It doesn't matter what your reason, finding the right auto insurance provider is actually quite simple.

New Jersey auto insurance quotes

Additional information can be read on the New Jersey Department of Banking and Insurance website through this link. Visitors are able to report car insurance fraud, view agent and company licensing information, and learn about insurance regulations.