Top 8 Ways to Save Money on Car Insurance in Elmer

Paying for high-priced car insurance can overdraw your checking account and force you to make sacrifices. Comparison shopping is a great way to lower your monthly bill. You have multiple to buy insurance from, and although it's nice to be able to choose, having more makes it harder to compare rates.

Free Elmer Car Insurance Quotes

All major car insurance companies like State Farm, Allstate and GEICO provide pricing on the web. Getting quotes is pretty easy as you simply type in your coverage information as detailed in the form. After the form is submitted, the system will obtain credit information and your driving record and returns a price quote based on these factors. Quoting online makes comparing rates easy, but the process of having to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it's very important to perform this step if you want to find the best price on car insurance.

The preferred way to locate the lowest prices is to use a quote form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you complete the form with the coverages as close as possible to your current policy. This makes sure you will have a rate comparison for the exact same coverage.

Are you getting all your discounts?

Companies offering auto insurance don't always publicize every discount very clearly, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you are paying more than you should be.

Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Senior Citizens - If you're over the age of 55, you may receive reduced rates.
Low Mileage Discounts - Low mileage vehicles could qualify for a substantially lower rate.
Accident Waiver - Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Multiple Policy Discount - If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Own a Home - Simply owning a home can save you money because maintaining a house demonstrates responsibility.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky.

To choose insurance companies with discount car insurance rates in New Jersey, click here.

How can State Farm, Allstate and GEICO save drivers who switch?

Consumers in New Jersey can't ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all have a common claim about savings if you change to them.

How does each company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. A good example of a driver they prefer might be over the age of 40, insures multiple vehicles, and has a short commute. Any new insured that hits that "sweet spot" is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted a higher premium and this can result in the customer not buying. The ads state "customers who switch" not "everybody who quotes" save money. This is how companies can truthfully make the claims of big savings. This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Tailor your coverage to you

When buying coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions may help you determine whether you could use an agent's help.

What can I do if my company won't pay a claim?
Should I buy additional glass protection?
Is my vehicle covered for flood damage?
I have good health insurance, so how much medical payments coverage do I need?
What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Is my nanny covered when driving my vehicle?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Even more information can be read at the New Jersey Department of Banking and Insurance website. Visitors are able to view a list of available companies, learn about insurance regulations, discover disciplinary actions, and get help finding coverage.

And the best car insurance company is...

As you shop your coverage around, never reduce coverage to reduce premium. There have been many situations where drivers have reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

Cheaper car insurance is attainable both online and with local Elmer insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not offer online price quotes and these small insurance companies work with independent agents.