10 Shopping Tips Shown to Lower Car Insurance Costs in Avon By The Sea

Expensive car insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and although it's nice to have multiple companies, it can be more challenging to compare rates.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied before they will apply.

  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Save with a New Car - Insuring a new car is cheaper due to better safety requirements for new cars.
  • Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.
  • Student in College - Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Auto/Life Discount - Some companies give a discount if you purchase auto and life insurance together.
  • Own a Home - Owning a home in Avon By The Sea may earn you a small savings because of the fact that having a home requires personal responsibility.
  • No Accidents - Drivers who don't have accidents can earn big discounts when compared with drivers who are more careless.
  • Service Members Pay Less - Having a family member in the military can result in better rates.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for better rates on cars that stay parked.

It's important to note that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck. But any discount will bring down your overall premium however.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique so this has to be addressed. These are some specific questions can help discover whether your personal situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver in Avon By The Sea?
  • Does my policy cover my teen driver if they drive my company car?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies make the same claim that you can save if you move to their company. How does each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the driver that earns them a profit. An example of a profitable customer might be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured who matches those parameters gets the lowest rates and most likely will save when switching.

Consumers who don't qualify for these standards must pay higher rates which leads to the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. This is how insurance companies can advertise the way they do.

This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Learn more about car insurance in New Jersey

More information is available on the website for the New Jersey Department of Banking and Insurance. Click here for link. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, read industry bulletins, and read enforcement actions against agents and companies.

New Jersey car insurance quotes

Final considerations

Lower-priced car insurance is definitely available both online and also from your neighborhood Avon By The Sea agents, and you should be comparing both to get a complete price analysis. Some car insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When shopping online for car insurance, it's very important that you do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.