Englewood Cliffs Auto Insurance For Less Than You're Paying Now

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies selling insurance in Englewood Cliffs.

It's important to take a look at other company's rates periodically because prices are constantly changing. Just because you had the best deal six months ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to reduce your cost while increasing coverage.

New Jersey auto insurance

How to Get Englewood Cliffs Auto Insurance Comparison Quotes

Cutting your auto insurance rates can be quick and easy. Consumers just need to take the time getting comparison quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  • The recommended way to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form keeps you from doing boring form submissions for every auto insurance company. Just one form will return quotes from all major companies. It's the fastest way to compare.
  • A more difficult way to shop for auto insurance online is to take the time to go to each company website and fill out their own quote form. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website and enter your information, and that's why the first method is more popular. For a list of links to companies insuring cars in Englewood Cliffs, click here.
  • The most time-consuming method to compare rates is to spend time driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local agent. It is possible to get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

However you get your quotes, be sure to compare the exact same coverages and limits for each comparison quote. If you are comparing different deductibles you will not be able to determine the lowest rate in Englewood Cliffs.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but some must be requested specifically before being credited. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Early Signing - Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

To see a list of providers offering auto insurance discounts in Englewood Cliffs, click here.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Every insured's situation is different.

For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required New Jersey minimum liability coverage?
  • When does my teenage driver need to be added to my policy?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Additional New Jersey consumer information

Additional information is available on the New Jersey Department of Banking and Insurance website. Click here for link. New Jersey consumers can learn about specific coverages, file complaints about a company, and report car insurance fraud.