How to Get Cheap Cranbury Car Insurance

If you've never shopped for car insurance online, it's easy to get confused by the sheer number of car insurance companies competing for business in Cranbury.

It's important to compare prices periodically due to the fact that insurance rates are constantly changing. Even if you got the lowest rates on your last policy the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to find lower rates on car insurance.

Are you getting all your discounts?

Companies don't always list every available discount very clearly, so we break down both the well known and also the lesser-known discounts you could be receiving.

Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Early Signing - Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
E-sign - A few companies may give you up to $50 just for signing your application over the internet.
Resident Student - Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

Keep in mind that some credits don't apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it just doesn't work that way.

To see a list of providers offering car insurance discounts in New Jersey, click here.

How to Get Cranbury Car Insurance Comparison Quotes

Most companies like Allstate and Progressive allow you to get coverage prices on their websites. Obtaining pricing is quite simple as you simply enter your personal and coverage information as detailed in the form. Once you submit the form, the system will obtain your driving and credit reports and gives you a price quote based on these and other factors.

Quoting online helps simplify price comparisons, but the process of having to visit multiple sites and enter the same data into a form gets old quite quickly. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

There is a better way!

The preferred way to compare rates makes use of a single form to return rates from several different companies. The form is fast, eliminates repetitive work, and makes online price comparison much easier to do. After sending your information, it is rated and you can choose any one of the price quotes you receive. If you find a better price you can click and sign and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

In order to find out if lower rates are available, click here to open in new window and complete the simple form. To compare your current rates, we recommend you input the coverages as shown on your current policy. This makes sure you're receiving a rate comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Knowing what influences your rates enables informed choices that can help you get much lower annual insurance costs.

Poor credit can mean higher rates - Your credit score is a big factor in determining your rates. If your credit score is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
Bad driving skills means higher rates - Careful drivers get better rates than bad drivers. Even a single speeding ticket can boost insurance rates twenty percent or more. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
More than one policy can earn a discount - Most insurance companies give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it's still a good idea to compare rates to ensure the best deal.
Having a spouse can save you money - Having a spouse can actually save you money on car insurance. Marriage means you're more mature and statistics show married couples file fewer claims.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Every situation is different.

For instance, these questions may help highlight whether you might need professional guidance.

Does my insurance cover a custom paint job?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Cranbury?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that you can save if you switch to their company. How does each company claim to save you money? It's all in the numbers.

Insurance companies have a certain "appetite" for the driver that is profitable for them. For example, a preferred risk might be between 30 and 50, a clean driving record, and has great credit. Any driver that hits that "sweet spot" will get the preferred rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate and this can result in the customer not buying. The ads state "customers who switch" not "everybody who quotes" save that much. That is how insurance companies can advertise the savings. That is why drivers must compare many company's rates. You cannot predict which company will fit your personal profile best.

Shop smart and save

When you buy insurance online, never reduce coverage to reduce premium. Too many times, someone dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

We just presented a lot of ways to compare car insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with some of the smallest insurance companies.

Affordable car insurance can be found both online and also from your neighborhood Cranbury agents, so compare prices from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional New Jersey consumer information

Additional detailed information can be found at the New Jersey Department of Banking and Insurance website. Visitors are able to find out industry alerts, file complaints about a company, and read consumer alerts.