Buy the Cheapest Asbury Auto Insurance

Having to pay for overpriced auto insurance can dwindle your personal savings and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to check auto insurance prices yearly because prices are constantly changing. Even if you got the best price a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because you're about to find out the tricks you need to know to buy cheaper auto insurance.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage in Asbury is not that difficult. Although New Jersey drivers do need to know how the larger insurance companies price insurance differently and apply this information to your search.

Where Can I Get Cheap Asbury Auto Insurance?

The are a couple different ways of comparing price quotes from local Asbury auto insurance companies. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get quotes is a comparison rater form (click to open form in new window). This easy form saves time by eliminating a different quote to each individual auto insurance company. A single, simple form gets rate comparisons .

A more difficult way to shop for auto insurance online is spending the time to visit the website for each individual company to complete a price quote. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Asbury, click here.

It's your choice how you get your quotes, but make sure you use exactly the same information for every company. If you have higher or lower deductibles you will not be able to decipher which rate is best in Asbury. Quoting even small variations in coverages can make a big difference in price. And when comparing auto insurance rates, know that quoting more will increase your chances of finding the best price.

Asbury auto insurance quote

What determines how much you pay?

It's important that you understand the different types of things that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get big savings.

  • Better credit means lower rates - Your credit history is a huge factor in determining what you pay for auto insurance. If your credit history is not that good, you could be paying less to insure your by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Where you reside plays a part - Residing in less populated areas has it's advantages when insuring your vehicles. Lower population means fewer accidents. City drivers regularly have congested traffic and longer commute times. Higher commute times means higher likelihood of an accident.
  • Drive less and save money - Driving more miles in a year's time the higher your rates will be. Most companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage.
  • Lower rates with optional equipment - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Higher deductibles cost less - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims could be running into the backend of another car, vandalism, or theft. Deductibles for physical damage are the amount of money you are required to spend before your auto insurance pays a claim. The higher the amount you're willing to pay, the bigger discount you will receive.

Policy discounts you shouldn't miss

Companies don't always advertise every available discount in a way that's easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Discount for New Cars - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Own a Home - Being a homeowner can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Accident Free - Drivers who don't have accidents can save substantially compared to frequent claim filers.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

For a list of providers who offer auto insurance discounts in Asbury, click here to view.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured's situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Who is covered when they drive my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?

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 agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Even more information can be found at the New Jersey Department of Banking and Insurance website. New Jersey consumers can find out industry alerts, view agent and company licensing information, file complaints about an insurance agent or broker, and view a list of available companies.

New Jersey auto insurance quotes

Shop smart and save

As you go through the steps to switch your coverage, it's not a good idea to reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

You just read many tips how you can lower your auto insurance rates. The most important thing to understand is the more quotes you get, the better chance you'll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company. Smaller companies may cover specific market segments cheaper compared to the large companies like .