Comparison Shop Franklinville Auto Insurance Prices With These Methods

Buying the lowest cost Franklinville auto insurance online can be rather challenging for beginners to buying insurance online. Because there are so many online companies available, how can you effectively compare every one to find the best available rates?

More discounts equal less premium

Auto insurance companies don't always advertise every discount very well, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving. If you don't get every credit you deserve, you are throwing money away.

  • Government Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraints - Cars that have air bags or automatic seat belts can receive discounts up to 30%.
  • Low Mileage Discounts - Driving fewer miles can earn a substantially lower rate.

Keep in mind that some credits don't apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.

It's not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's.

Here are some questions about coverages that can help discover if you would benefit from an agent's advice.

  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?

If you can't answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Switch companies and save? Really?

New Jersey consumers get pounded daily by advertisements for car insurance savings from the likes of Progressive, Allstate and GEICO. They all have a common claim that you can save if you switch your coverage to them.

But how can every company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. For example, a driver they prefer could possibly be between 25 and 40, has no prior claims, and has great credit. A driver that hits that "sweet spot" will get the preferred rates and therefore will save a lot of money.

Drivers who do not match this ideal profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. The ads state "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the savings. This emphasizes why you should quote coverage with many companies. It is impossible to predict which insurance companies will fit your personal profile best.

Additional detailed information can be found at the New Jersey Department of Banking and Insurance website. New Jersey consumers can download brochures, view agent and company licensing information, and find out industry alerts.

Also read more on this online resource for auto insurance quotes in New Jersey and this list of insurance agents in Franklinville.

New Jersey auto insurance quotes

And the best car insurance company is...

Drivers switch companies for a variety of reasons including high rates after DUI convictions, policy non-renewal, policy cancellation and even poor customer service. It doesn't matter why you want to switch finding a new auto insurance company is less work than it seems.

When you buy insurance online, don't be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

In this article, we presented a lot of ways to reduce auto insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the most savings is with a small mutual company.