How to Find Cheaper Egg Harbor Twp Auto Insurance

Buying the lowest cost Egg Harbor Twp auto insurance on the internet can be impossible for people who are new to comparison shopping online. With so many choices of choices, how can consumers even start to compare them all to find the cheapest rates?

It's important to take a look at other company's rates on a regular basis since insurance rates are constantly changing. Just because you had the lowest price on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the proper way to get good coverage at a lower rate.

How much can you save with discounts?

Companies offering auto insurance don't always publicize all their discounts in an easy-to-find place, so we researched some of the best known as well as the least known auto insurance savings. If they aren't giving you every credit you deserve, you're paying more than you need to.

  • College Student - Children who are attending college and do not have a car can receive lower rates.
  • Accident Waiver - A few companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Memberships - Affiliation with certain professional organizations could qualify you for a break on auto insurance.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.

Keep in mind that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way.

To see a list of companies offering auto insurance discounts in Egg Harbor Twp, follow this link.

Egg Harbor Twp auto insurance comparison

How to Lower Your Auto Insurance Cost in Egg Harbor Twp, New Jersey

There are several ways to compare auto insurance quotes, but one way is more efficient than others. You can waste a lot of time discussing policy coverages with agents in Egg Harbor Twp, or you could save time and use online quoting to accomplish the same thing much quicker.

Many insurance companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on that data. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

One minor caviat to using this type of system is that you can't choose which carriers to receive prices from. So if you want to choose individual companies for rate comparison, we have assembled a list of auto insurance companies in New Jersey. Click here for list of insurance companies in New Jersey.

Which method you use is up to you, but ensure you are comparing the exact same coverages and limits on every quote. If you have different deductibles it will be impossible to make a fair comparison in Egg Harbor Twp.

Egg Harbor Twp Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Understanding what influences your rates enables informed choices that may reward you with better auto insurance rates.

Listed below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Mature drivers pay less - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers are statistically proven to be less responsible when driving therefore auto insurance rates are much higher.
  • Are you male or female? - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that men are worse drivers. Men and women have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations like reckless driving and DUI. Young males are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • A clean driving record saves money - Just one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • Do you have enough liability coverage? - Liability insurance is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, architects and accountants tend to have higher rates than average because of high stress and long work hours. On the flip side, occupations like pilots, athletes and homemakers receive lower rates.
  • More than one policy can earn a discount - Most companies will give a discount to people who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to compare rates to ensure the best deal.

Save 15 percent in 15 minutes? Is it for real?

New Jersey drivers can't get away from ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you can save if you switch to their company.

How do they all say the same thing?

Different companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured might be profiled as over the age of 40, insures multiple vehicles, and has great credit. A propective insured who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will have to pay higher rates which usually ends up with business not being written. The ads say "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can advertise the savings. Because of the profiling, drivers must get as many quotes as possible. It's not possible to predict which insurance companies will fit your personal profile best.

In the end, you save

When you buy insurance online, never reduce coverage to reduce premium. There are many occasions where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at a price you can afford.

Affordable auto insurance is available on the web and also from your neighborhood Egg Harbor Twp agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented a lot of information how to compare auto insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest premiums are with a small local company.

Additional detailed information is located at the New Jersey Department of Banking and Insurance website. New Jersey drivers can read enforcement actions against agents and companies, learn about insurance regulations, and file complaints about a company.