Lower Online Franklin Park Auto Insurance Prices With These Tips

Finding the lowest price for Franklin Park auto insurance can be a challenge if you've never compared online quotes. Don't let that stop you because there is an easy way to compare rates.

This article will familiarize you with the best way to quote coverages and some tricks to saving. If you have car insurance now, you will be able to cut costs considerably using these methods. But New Jersey vehicle owners do need to know the way companies market insurance on the web because it can help you find the best coverage.

Vehicle Insurance Comparison

There are several ways of comparing rate quotes from different Franklin Park insurance companies. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions for every auto insurance company. Just one form will get you price quotes from multiple companies. Just one form and you're done.

A less efficient way to get quotes online requires a visit to each individual company website to complete their respective quote request forms. For example, let's say you want to compare , and . To get rate quotes you would need to visit each site to input your insurance information, and that's why the first method is more popular. To view a list of companies in Franklin Park, click here.

Whichever method you choose, be sure to compare apples-to-apples coverage limits on every quote you get. If you have differing limits it will be very difficult to determine which rate is truly the best in Franklin Park. Slightly different insurance coverages can make a big difference in price. Keep in mind that quoting more gives you a better chance of getting better pricing.

What determines how much you pay?

It's important that you understand the factors that play a part in calculating auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.

Shown below are a partial list of the pieces companies use to determine premiums.

What are your deductibles? - The deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more you're willing to pay, the lower your rates will be.
Traffic citations inflate rates - Only having one citation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
Extra add-on coverages are wasting money - There are quite a few additional coverages that you can get tricked into buying if you aren't careful. Things like roadside assistance, accidental death and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don't need them remove them from your policy.
Better credit means lower rates - A driver's credit score is a huge factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower ratings. So if your credit is low, you could be paying less to insure your by improving your rating.

Save big with these discounts

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Certain discounts will be applied when you quote, but less common discounts must be specifically requested before you get the savings.

Homeowners Savings - Owning a home in Franklin Park can save you money because maintaining a house shows financial diligence.
Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
Safety Course Discount - Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
Military Rewards - Being deployed with a military unit could be rewarded with lower premiums.
Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
New Vehicle Savings - Adding a new car to your policy can save up to 30% since new cars are generally safer.
Driver's Ed - Require your teen driver to enroll in driver's education if offered at their school.
Good Student - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Senior Discount - Older drivers may receive reduced rates.

Consumers should know that some credits don't apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies don't profit that way. But all discounts will help reduce your overall premium however.

For a list of insurers with discount auto insurance rates in New Jersey, click here.

But I don't know anything about car insurance

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique.

These are some specific questions may help highlight if your situation might need an agent's assistance.

When do I need to add a new car to my policy?
Can I rate high risk drivers on liability-only vehicles?
Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage when using my vehicle for my home business?
Why am I required to buy high-risk coverage?

If you can't answer these questions then you might want to talk to an agent. If you don't have a local agent, take a second and complete this form.

Much more information about auto insurance in New Jersey is located on the New Jersey Department of Banking and Insurance website. Click here for link. New Jersey drivers can report car insurance fraud, file complaints about a company, and discover disciplinary actions.

Other useful links include this page for New Jersey auto insurance and this page for help finding agents in Franklin Park, NJ.

The best insurance company isn't always the cheapest

Discount auto insurance is attainable on the web and with local Franklin Park insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered a lot of ways to lower your auto insurance rates. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a smaller regional carrier.

Drivers leave their current company for any number of reasons including lack of trust in their agent, poor customer service, questionable increases in premium and unfair underwriting practices. Whatever your reason, switching auto insurance companies is not as hard as you think.