Top 9 Ways to Save Money on Car Insurance in Blackwood

Expensive car insurance can empty your bank account and force you to make sacrifices. Shopping your coverage around is a smart way to help make ends meet.

Consumers have many to buy insurance from, and even though it's nice to have a choice, it can be more difficult to compare rates.

car insurance in Blackwood

Take advantage of discounts

Car insurance companies do not list all available discounts very clearly, so here is a list both the well known as well as the least known car insurance savings.

  • Safety Course Discount - Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Senior Citizens - Older drivers may receive better car insurance rates.
  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Accident Waiver - Certain companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
  • Student in College - Children who live away from home and don't have a car may qualify for this discount.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Auto/Home Discount - When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

It's important to note that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like it's possible to get free car insurance, you're out of luck.

For a list of insurers with discount car insurance rates in New Jersey, follow this link.

Free Quotes for Car Insurance in Blackwood, New Jersey

There are several ways to get quotes from local Blackwood car insurance companies. The recommended way to find the lowest rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form submissions for every car insurance company. One form will get you price quotes from multiple companies.

A more time consuming way to compare rate quotes requires a visit to the website for every company you want to comare to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular.

To view a list of companies in Blackwood, click here.

The least efficient way of getting rate comparisons is to waste gas driving to insurance agents' offices. Buying insurance online makes this process obsolete unless you require the professional advice of a local Blackwood agent. You can, however, compare online quotes and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make darn sure you compare identical coverage limits on every quote you get. If you compare differing limits it's not possible to determine which rate is truly the best in Blackwood. Just a small difference in limits may result in a large different in cost. And when comparison shopping, getting more free quotes helps locate better pricing.

How to know if you need help

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. These are some specific questions may help you determine whether your personal situation might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Is my vehicle covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?

If you don't know the answers to these 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.

Do the work, save more money

Lower-priced car insurance is attainable both online and also from your neighborhood Blackwood agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.