9 Discounts Bloomingdale Shoppers Forget when Shopping for Car Insurance

Overpriced car insurance can overdraw your savings account and force you to make sacrifices. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. With consumers having so many car insurance companies to choose from, it's nearly impossible to choose the lowest price company.

Where Can I Get Cheap Bloomingdale Car Insurance?

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You could spend your day driving to agents in Bloomingdale, or you can utilize online quotes to get the quickest rates.

All the larger companies enroll in a system that allows shoppers to enter their policy data once, and each participating company provides a quote based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company.

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

The only downside to comparing rates this way is that you can't choose which companies to get pricing from. If you wish to select specific providers for rate comparison, we have assembled a list of low cost car insurance companies in New Jersey. View list of New Jersey insurance companies.

Which method you use is up to you, but make sure you use apples-to-apples deductibles and coverage limits on every quote you get. If you have different values for each quote it will be next to impossible to determine which rate is truly the best in Bloomingdale.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Most are applied when you quote, but some must be manually applied before you get the savings. If you don't get every credit you deserve, you're just leaving money on the table.

Defensive Driving Course - Completing a defensive driving course could cut 5% off your bill depending on where you live.
Save with a New Car - Insuring a new car can save up to 30% since new cars are generally safer.
Service Members Pay Less - Having a deployed family member can result in better rates.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
Discount for Life Insurance - Some companies give a break if you buy a life insurance policy as well.
Student in College - Children who live away from home without a vehicle on campus can receive lower rates.
Air Bag Discount - Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
Good Student Discount - Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
Own a Home - Owning a home in Bloomingdale may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.

Keep in mind that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

For a list of insurers with the best car insurance discounts in New Jersey, follow this link.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Each situation is unique and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you could use an agent's help.

Should I rate my vehicle as pleasure use or commute?
Who is covered when they drive my vehicle?
Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions but a few of them apply then you might want to talk to 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. It's fast, free and can provide invaluable advice.

More information is available on the website for the New Jersey Department of Banking and Insurance through this link. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, view a list of available companies, and find out industry alerts.

Other useful links include this resource for New Jersey car insurance prices and this link which helps you find a Bloomingdale agent.

And the best car insurance company is...

Affordable car insurance is possible both online and also from your neighborhood Bloomingdale agents, and you need to comparison shop both to have the best selection. Some car insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When shopping online for car insurance, do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.