Tightwads Tips for Saving on Atlantic Hghlnds Auto Insurance

Expensive auto insurance can empty your bank account and put a big crunch on your finances. Shopping your coverage around is a smart way to lower your monthly bill.

Consumers have many to pick from, and although it's nice to have a choice, it can be more difficult to compare rates.

How to Lower Your Auto Insurance Cost in Atlantic Hghlnds, New Jersey

There are multiple methods to compare auto insurance quotes, but some are easier and takes less work. You could spend your day discussing policy coverages with agents in Atlantic Hghlnds, or you could use the internet to get prices fast.

All the larger companies belong to an insurance system that enables customers to only type in their quote data once, and each company returns a competitive quote based on that data. This eliminates the need for quotation requests to each individual auto insurance company.

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

The single downside to comparing rates this way is you can't choose which companies to get quotes from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of companies who write auto insurance in New Jersey. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing identical coverage information on every quote you get. If you have unequal deductibles or liability limits then you won't be able to determine which rate is truly the best in Atlantic Hghlnds. Just a small difference in limits may result in a large different in cost. Just remember that getting more free quotes helps you find the best offered rates.

You have some control over your rates

It's important that you understand some of the elements that help determine auto insurance rates. Knowing what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces auto insurance companies consider when setting prices.

Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Careers like judges, architects and financial analysts tend to have higher average rates due to high stress and long work days. Conversely, jobs such as pilots, engineers and performers receive lower rates.
Your spouse saves you money - Having a wife or husband can get you a discount when buying auto insurance. Having a significant other means you're more mature and statistics show married drivers get in fewer accidents.
Older drivers save more - Teenage drivers in New Jersey are known to be careless and easily distracted when driving so they pay higher auto insurance rates. Adding a teen driver to your auto insurance policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
Where do you drive? - Driving more miles in a year's time the higher your rate. Most insurance companies price each vehicle's coverage based on their usage. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Claim-free discounts can add up - Companies in New Jersey provide lower rates to drivers who are claim-free. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Do you need the policy add-ons? - There are a ton of add-on coverages that can waste your money if you aren't careful. Coverages for personal injury protection, accident forgiveness and term life insurance are examples of these. These coverages may sound good initially, but if they're wasting money eliminate them to save money.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you quote, but a few must be specifically requested prior to getting the savings.

No Accidents - Drivers who don't have accidents pay much less when compared to frequent claim filers.
Paperwork-free - A few companies give back up to $50 just for signing your application over the internet.
Distant Student - Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
New Vehicle Savings - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Government Employees - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.

It's important to note that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you're out of luck. But any discount will bring down your premiums.

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

More information is located on the website for the New Jersey Department of Banking and Insurance found here. New Jersey drivers can read industry bulletins, get help finding coverage, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Other useful links include this online resource for auto insurance quotes in New Jersey and this list of insurance agents in Atlantic Hghlnds.

Final considerations

Lower-priced auto insurance can be bought on the web and also from your neighborhood Atlantic Hghlnds agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online quoting and these small, regional companies work with independent agents.

While you're price shopping online, make sure you don't reduce needed coverages to save money. There are too many instances where drivers have reduced collision coverage and learned later they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.