Car Insurance in Chester - 5 Discounts to Save Money

Finding affordable Chester car insurance online is problematic for consumers new to online price comaprisons. With a ridiculous number of online companies available, how can consumers even start to compare the different rates to find the lowest price available?

It's important to compare prices yearly since rates are constantly changing. Even if you got the best price on your last policy you can probably find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to find great coverage at a great price.

How to Get Cheap Car Insurance in Chester, NJ

The are a couple different ways to get quotes from local Chester car insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

The recommended way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate quote forms for every car insurance company. A single, simple form gets rate comparisons from many national carriers. Recommended for those who want to invest the least amount of time.
A more time consuming way to shop for car insurance online is spending the time to visit each individual company website and fill out their own quote form. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in Chester, click here.
The most time-consuming way to get comparison rates is to spend your day driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the trained guidance of a local Chester agent. It is possible to get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

Whichever method you choose, make sure you use identical information for every quote you compare. If you are comparing higher or lower deductibles it will be next to impossible to determine the best price in Chester. Slightly different coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies helps locate the best price.

Policy discounts you shouldn't miss

Companies that sell car insurance don't list all their discounts very clearly, so we took the time to find both the well known and the more hidden discounts you could be receiving.

Accident Waiver - Certain companies permit an accident before raising your premiums as long as you don't have any claims prior to the accident.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Memberships - Being a member of a qualifying organization may earn a discount on car insurance.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Driver Safety - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

A little note about advertised discounts, some credits don't apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies who offer car insurance discounts in New Jersey, click here.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Each situation is unique.

For example, these questions can help discover whether your personal situation will benefit from professional help.

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 are the financial responsibility laws in New Jersey?
What happens if I owe more than my vehicle is worth?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
Should I rate my vehicle as pleasure use or commute?

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Learn more about car insurance in New Jersey

Even more information can be found at the New Jersey Department of Banking and Insurance website. Visitors are able to get help finding coverage, view agent and company licensing information, and file complaints about an insurance agent or broker.