Free Guide to Paying Less for Bellmawr Auto Insurance Online

Tired of scraping the payment together each month for car insurance? You are in the same boat as many other New Jersey drivers. Big companies like GEICO and Progressive constantly blast consumers with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

If you are insured now or need new coverage, you can use these techniques to find better prices while maintaining coverages. Finding affordable coverage in Bellmawr is not that difficult. New Jersey consumers only need to know the most effective way to compare prices online.

How to Compare Auto Insurance Costs in Bellmawr

There are several ways you can shop for auto insurance and some are easier and takes less work. You could spend your day talking to insurance agencies in Bellmawr, or you could use the web to get rate comparisons in just a few minutes.

All the larger companies enroll in a system that allows shoppers to submit one quote, and each company returns a rated price. This prevents consumers from doing quote forms for each company you want a rate for.

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

One minor caviat to getting quotes like this is you are unable to specify which companies you want pricing from. So if you want to select specific insurance companies to compare rates, we put together a list of companies who write auto insurance in New Jersey. View list of New Jersey insurance companies.

Whichever method you choose, double check that you are using exactly the same coverages for every quote you compare. If you are comparing different limits and deductibles on each one then you won't be able to determine the best price in Bellmawr.

Good Decisions Result in Lower Rates

It's important that you understand the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

The list below includes a few of the "ingredients" auto insurance companies consider when setting premiums.

Don't skimp on liability - The liability section of your policy will protect you if you are found liable for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
More claims means more premium - If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance companies in New Jersey generally give cheaper rates to insureds who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.
Never let your coverage lapse - Driving your car without having proper coverage is against the law and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance might get you a license revocation or jail time.
Rates may be higher depending on your occupation - Occupations such as lawyers, social workers and dentists tend to have the highest average rates due to high stress levels and lots of time spent at work. Other occupations like farmers, historians and the unemployed receive lower rates.
Having a spouse can save you money - Having a spouse actually saves money on auto insurance. Having a spouse means you're more responsible and statistics show drivers who are married are more cautious.
Men fork out a little more - The statistics show women are more cautious behind the wheel. However, don't assume that men are worse drivers. They both have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
Poor credit can mean higher rates - A driver's credit rating is a big factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit score can use some improvement, you could be paying less to insure your by improving your credit score.

How much can you save with discounts?

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be specially asked for prior to receiving the credit. If you aren't receiving every discount available, you're just leaving money on the table.

Club Memberships - Being a member of a civic or occupational organization may earn a discount when buying auto insurance.
Drivers Ed for Students - Require your teen driver to enroll in driver's education in high school.
Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
No Accidents - Claim-free drivers can save substantially when compared with frequent claim filers.
Paperless Signup - A handful of insurance companies may give you up to $50 for buying your policy digitally online.
One Accident Forgiven - A handful of insurance companies allow you one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
Passive Restraints - Vehicles equipped with air bags can qualify for discounts of 20% or more.

A little note about advertised discounts, some credits don't apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of insurers with the best auto insurance discounts in Bellmawr, click here.

Additional information can be found on the website for the New Jersey Department of Banking and Insurance found here. Visitors are able to find out which companies have the most complaints, download brochures, find a variety of consumer forms, and read industry bulletins.

In the end, you save

The cheapest auto insurance is definitely available both online and also from your neighborhood Bellmawr agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We covered a lot of ways to lower your auto insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper compared to the large companies like .