8 Tricks to Save on Car Insurance in Elizabeth New Jersey

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are a lot of people in Elizabeth just like you who feel imprisoned by their car insurance policy. There is such a variety of to pick from, and though it is a good thing to be able to choose, so many choices can make it hard to compare rates.

Comprehensive Elizabeth Car Insurance Comparison Quotes

Reducing your insurance rates is not a difficult process. Just take time comparing rate quotes online from several insurance companies. This can be done using a couple different methods.

The fastest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method eliminates the need for multiple quote forms for each company you want a rate for. Completing one form will get you rate comparisons from multiple low-cost companies.
A different way to compare rate quotes requires you to visit the website of each company to complete their respective quote request forms. For instance, we'll pretend you want to compare rates from , and . To get each rate you have to go to every website and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Elizabeth, click here.
The least efficient method to get comparison rates is driving to different Elizabeth agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance that only a license agent can provide. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just compare identical coverage information on every quote you get. If your comparisons have unequal deductibles or liability limits you will not be able to determine which rate is truly the best in Elizabeth.

Take advantage of discounts

Companies offering auto insurance don't always list every discount very clearly, so we break down some of the more common and the harder-to-find car insurance savings. If you're not getting every credit possible, you are paying more than you should be.

Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Multiple Policy Discount - If you insure your home and vehicles with the same company you may save at least 10% off all policies.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
Organization Discounts - Belonging to a qualifying organization could qualify you for a break when shopping for car insurance.
Paperwork-free - A few companies will give a small break for buying your policy over the internet.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To choose insurance companies who offer car insurance discounts in New Jersey, follow this link.

Are car insurance companies telling the truth?

Consumers can't ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all say the same thing about savings after switching your policy.

How does each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer could be a mature driver, has no tickets, and chooses high deductibles. Any new insured who fits that profile receives the best rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be quoted a higher premium which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" not "people who quote" save that kind of money. That's the way companies can truthfully state the savings. This emphasizes why you need to get as many quotes as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

Even more information can be found at the New Jersey Department of Banking and Insurance website. Consumers can view a list of available companies, discover disciplinary actions, read enforcement actions against agents and companies, and view agent and company licensing information.

Other informative sites include this site for car insurance rates in New Jersey and this list of insurance agents in Elizabeth, NJ.

Best coverage at the best price

Cheaper car insurance can be bought from both online companies in addition to many Elizabeth insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.