Compare Bergenfield Auto Insurance Prices With These Tricks

Are you intimidated by the number of auto insurance company choices in Bergenfield? Lot's of other consumers are too. People have so many options that it can turn into more work than you anticipated to find lower rates.

It's important to do rate comparisons every six months because prices are constantly changing. Just because you had the best deal six months ago you will most likely find a better rate today. Starting now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to remove unneeded coverages and save money.

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. This article will help educate you on how car insurance quotes work and some tricks to saving. But New Jersey consumers do need to know the way companies sell insurance online and take advantage of how the system works.

These discounts can lower your rates

Companies that sell car insurance don't always publicize all their discounts in a way that's easy to find, so here is a list both the well known as well as the least known auto insurance savings.

  • Senior Citizens - If you qualify as a senior citizen, you may qualify for reduced rates.
  • Homeowners Discount - Owning a house in Bergenfield may trigger a auto insurance policy discount because owning a home requires personal responsibility.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • No Charge for an Accident - A handful of insurance companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Bundle and Save - If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Sign Online - Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.

Consumers should know that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

Bergenfield auto insurance comparison

Are you falling for claims of savings?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to say the same thing that you'll save big if you switch to them. How can each company claim to save you money?

All companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured might be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote who fits that profile will get very good rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay a higher premium which usually ends up with the customer not buying. The ads say "customers that switch" not "everybody who quotes" save money. That's the way companies can state the savings. Because of the profiling, you should get quotes from several different companies. It's impossible to know which auto insurance company will have the lowest rates.

Learn more about New Jersey auto insurance

More detailed New Jersey auto insurance information is available at the New Jersey Department of Banking and Insurance website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, and find out industry alerts.

Shop smart and save

As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at a price you can afford.

Discount auto insurance is available both online and with local Bergenfield insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We covered a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from a small local company.