How to Know You're Spending Too Much for Car Insurance in Asbury Park

Overpriced car insurance can dwindle your bank account and put the squeeze on your family's finances. Shopping your coverage around is a smart way to lower your monthly bill. Companies like GEICO and Progressive constantly bombard you with ads and it can be hard to sift through the bull and do the work needed to find the best deal.

car insurance in Asbury Park

Free Asbury Park Car Insurance Quotes

Cutting your Asbury Park car insurance rates is not a difficult process. Consumers just need to spend a little time comparing rates online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  • The recommended way consumers can analyze rates is a comparison rater form (click to open form in new window). This method saves time by eliminating repetitive form submissions for each company you want a rate for. One form gets you price quotes from multiple companies.
  • Another way to shop for car insurance online requires a trip to the website for every company you want to comare to complete a price quote. For instance, let's say you want comparison quotes from , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Asbury Park, click here.
  • The least efficient way of getting rate comparisons is to waste gas driving to different Asbury Park agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the professional advice that only a license agent can provide. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll talk about that later.

Whichever way you use, make darn sure you compare exactly the same quote information with each company. If your comparisons have mixed coverages then you won't be able to make an equal comparison in Asbury Park.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specifically requested before you will receive the discount. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Safety Course Discount - Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • 55 and Retired - Mature drivers may receive a discount up to 10%.
  • Memberships - Belonging to a civic or occupational organization could qualify you for a break when buying car insurance.
  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, it just doesn't work that way. But any discount will reduce the amount you have to pay.

To see a list of insurers with discount car insurance rates in Asbury Park, follow this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Do I qualify for additional discounts?
  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

More sites with car insurance information

More information can be found on the website for the New Jersey Department of Banking and Insurance found here. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, find out which companies have the most complaints, and download brochures.