7 Guaranteed Tricks to Lower Car Insurance Costs in Berlin, NJ
Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are many people just like you.
Big companies like GEICO and Progressive continually hit you with advertising and it is challenging if not impossible to sift through the bull and find the best price available.
It's important to compare prices at least once a year since rates are constantly changing. Just because you found the lowest rates two years ago you can probably find a better price now. So block out anything you think you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.
If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage in Berlin is quite easy. Nevertheless, New Jersey consumers do need to know how the larger insurance companies sell online and use this information to your advantage.
Be sure to get all your discounts
Companies offering auto insurance don't always advertise all their discounts in a way that's easy to find, so we break down both the well known as well as the least known savings tricks you should be using.
- Senior Citizens - If you're over the age of 55, you may receive better car insurance rates.
- Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
- Organization Discounts - Being a member of a civic or occupational organization is a good way to get lower rates on car insurance.
- Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
- Life Insurance - Larger companies have better rates if you take out life insurance from them.
- Sign Online - Some insurance companies may give you up to $50 simply for signing digitally online.
- Safety Course Discount - Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
It's important to understand that most discount credits are not given the the whole policy. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it doesn't quite work that way.
To choose companies with discount car insurance rates in Berlin, click here to view.
Is there truth in advertising?
Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to make an identical promise of big savings if you change to their company. How can each company claim to save you money?
Different companies are able to cherry pick for the driver that makes them money. For example, a desirable insured might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.
Potential customers who don't measure up to the requirements will have to pay higher prices and ends up with the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently state the savings. Because of the profiling, you should get as many quotes as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.
More tips and info about car insurance can be found at the New Jersey Department of Banking and Insurance website. Visitors are able to learn about insurance regulations, find disaster information, find out which companies have the most complaints, and download brochures.
The best insurance company isn't always the cheapest
When buying insurance coverage, it's a bad idea to buy poor coverage just to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at a price you can afford.
Low-cost car insurance can be sourced both online and also from your neighborhood Berlin agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
