How to Get Cheaper East Hanover Car Insurance

Consumers not familiar with shopping for insurance online may find purchasing affordable East Hanover car insurance quite difficult.

It's important to shop coverage around periodically because rates are constantly changing. Even if you think you had the lowest rates on your last policy you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to find better rates and still maintain coverage.

East Hanover Car Insurance Comparisons

There are several ways to shop for car insurance, but some are easier and takes less work. You can spend countless hours talking to insurance companies in East Hanover, or you could use online quoting to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company then gives them pricing for coverage. This prevents consumers from doing form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you cannot specify the providers you want pricing from. So if you prefer to choose from a list of companies to compare rates, we have assembled a list of companies who write car insurance in New Jersey. Click here to view list.

However you get your quotes, be sure to compare the exact same coverage limits for every quote you compare. If you use differing limits you can't possibly determine the best price in East Hanover. Slightly different limits may result in large price differences. Keep in mind that comparing more company's prices will increase your chances of finding better pricing.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Some trigger automatically at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Accident Forgiveness - A few companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Passive Restraints - Factory air bags or motorized seat belts can get savings up to 30%.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy can get a discount on all vehicles.

It's important to note that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck. But any discount will cut the amount you have to pay.

To see a list of companies with discount car insurance rates in East Hanover, click here.

How do I know if I need professional advice?

When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else's.

For example, these questions may help highlight whether or not you would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Should I have combined single limit or split liability limits?
  • Is my nanny covered when driving my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can't answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Additional New Jersey consumer information

More information can be found on the New Jersey Department of Banking and Insurance website found here. Consumers can learn about insurance regulations, file complaints about a company, and find disaster information.