How to Find Low-Cost Belmar Auto Insurance

Are you intimidated by the dozens of auto insurance companies in Belmar? Lot's of other consumers are too. Drivers have so many companies to choose from that it can turn into a real hassle to locate the lowest price.

Shopping for the lowest cost protection in Belmar is easy if you know what you're doing. If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find better prices and possibly find even better coverage. New Jersey consumers only need to know the best way to find the lowest price over the internet.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in better auto insurance rates.

Safer cars cost less to insure - Safer cars can get you lower premiums. Safe vehicles reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
Do you know your deductibles? - Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Where you reside plays a part - Choosing to live in a small town is a positive aspect when insuring your vehicles. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
Careful drivers pay lower rates - Whether or not you get tickets has a big impact on rates. Only having one citation can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
Don't skimp on liability - Liability coverage provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Pay less if you're married - Having a wife or husband can get you a discount on your policy. Having a spouse means you're more responsible and it's proven that being married results in fewer claims.

How to Compare Auto Insurance in Belmar, New Jersey

Effectively comparing auto insurance prices can take time and effort if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in Belmar, or you could save time and use online quoting for quick rates.

Most of the larger companies enroll in a system that enables customers to send in one quote, and every company provides a quote for coverage. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to using this type of form is buyers cannot specifically choose which providers to get pricing from. If you prefer to choose individual companies to request quotes from, we put together a list of auto insurance companies in New Jersey. Click to view list.

It's up to you which method you use, but ensure you are comparing apples-to-apples information with each company. If you use higher or lower deductibles it will be impossible to make an equal comparison in Belmar.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be inquired about before you will receive the discount. If you don't get every credit possible, you are paying more than you should be.

Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.
Auto/Home Discount - If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
Discount for Good Grades - This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Paperless Signup - Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Homeowners Discount - Owning a home in Belmar can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your premiums.

To choose insurers who offer auto insurance discounts in New Jersey, click here to view.

The auto insurance bait and switch

New Jersey consumers can't ignore all the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies make an identical promise about savings after switching to their company.

But how can every company make almost identical claims?

Different companies are able to cherry pick for the driver that makes them money. For instance, a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and has great credit. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money and ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the savings.

This illustrates why you need to get as many quotes as possible. It's impossible to know which auto insurance company will fit your personal profile best.

Additional information is located on the New Jersey Department of Banking and Insurance website located here. New Jersey consumers can find disaster information, report car insurance fraud, and view agent and company licensing information.

Other informative sites include this resource for New Jersey auto insurance prices and this page of Belmar insurance agents.

A tidy conclusion

The cheapest auto insurance can be purchased online and also from your neighborhood Belmar agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

People change insurance companies for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, policy non-renewal or even poor customer service. Regardless of your reason, choosing a new insurance company is easier than you think.