How to Know You're Spending Too Much for Auto Insurance in Burlington

Paying for high-priced auto insurance can take a big chunk out of your bank account and put a big crunch on your finances. Comparison shopping is a smart way to help make ends meet.

Insurance companies such as GEICO and Progressive all promote huge savings with advertising and it can be hard to sift through the bull and do the work needed to find the best deal.

auto insurance in Burlington

Save big with these discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Most are applied when you purchase, but some may not be applied and must be inquired about before being credited.

  • Driver Safety - Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Student in College - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Own a Home - Owning a home in Burlington may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Government Employees - Simply working for the federal government could cut as much as 10% off depending on your company.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

For a list of insurers who offer auto insurance discounts in Burlington, follow this link.

Free Quotes for Auto Insurance in Burlington, New Jersey

There are several ways to compare rate quotes from local Burlington auto insurance companies. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished in a couple of different ways.

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 keeps you from doing separate quote forms for each company you want a rate for. One form gets you price quotes from many national carriers.

A harder way to get quotes online requires visiting the website for every company you want to comare and fill out their own quote form. For instance, let's say you want comparison quotes from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in Burlington, click here.

Whichever way you use, make darn sure you compare exactly the same quote information for each comparison quote. If you are comparing mixed coverages it will be impossible to determine the lowest rate in Burlington. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will improve the odds of getting the best offered rates.

But I don't know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's needs are different so your insurance needs to address that. These are some specific questions may help you determine if your situation could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • Why does it cost so much to insure a teen driver in Burlington?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when pulling a rental trailer?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Shop smart and save

Cheaper auto insurance can be sourced on the web and also from your neighborhood Burlington agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.