How to Find Low-Cost Freehold Auto Insurance

Searching for the lowest cost Freehold auto insurance on the internet can seem to be impossible for beginners to price shopping online. With so many choices of online companies, how can consumers even start to compare every one to find the cheapest available price?

The purpose of this article is to help you learn how to get online quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. New Jersey drivers only need an understanding of how to compare rates online.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Most are applied when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount. If you don't get every credit you deserve, you're paying more than you need to.

  • Defensive Driving Course - Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Senior Discount - Mature drivers can possibly qualify for better auto insurance rates.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Discount for Life Insurance - Larger companies have a break if you buy life insurance from them.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Paperless Signup - Some insurance companies give back up to $50 simply for signing online.

It's important to understand that most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurers with the best auto insurance discounts in New Jersey, follow this link.

auto insurance in Freehold

How to Buy Freehold Auto Insurance Online

Finding cheaper auto insurance prices can be relatively painless. Consumers just need to invest a few minutes comparing rates online with multiple companies. This can be accomplished using a couple different methods.

  • The best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method prevents you from having to do separate quotation requests for each company. One form gets you coverage quotes from auto insurance companies with the best prices. This is by far the quickest method.
  • A harder way to shop for auto insurance online consists of going to the website for every company you want to comare to request a price quote. For instance, let's say you want comparison quotes from , and . You would have to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in Freehold, click here.
  • The least efficient way of comparing rate quotes to and from local Freehold insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. You can, however, obtain prices from the web but buy from a local insurance agent and we'll touch on that later.

It doesn't matter which method you choose, just make darn sure you compare apples-to-apples coverages for each price quote. If your comparisons have different limits and deductibles on each one it will be impossible to truly determine the lowest rate in Freehold.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in better auto insurance rates.

The list below includes a few of the "ingredients" auto insurance companies consider when setting premiums.

  • Don't get talked into coverage you don't need - There are a lot of add-on coverages that you can get tricked into buying if you aren't careful. Things like vanishing deductibles, accidental death and term life insurance are examples of these. They may seem good at first, but if they're wasting money remove them from your policy.
  • Men fork out a little more - Statistics have proven women tend to be less risk to insure than men. However, don't assume that men are worse drivers. Men and women have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • You might want pay the small claims yourself - Auto insurance companies in New Jersey provide discounts to policyholders who are claim-free. If you file claims often, you can expect higher rates. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
  • Multiple policies with one company can save - The majority of companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare rates to ensure the best deal.
  • More people means more accidents - Residing in a small town is a positive aspect when buying auto insurance. City drivers have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's needs are different.

For example, these questions may help you determine whether your personal situation could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Save $429 a year? Really?

New Jersey drivers can't get away from ads for car insurance savings by 21st Century, Allstate and State Farm. All the companies say the same thing of big savings if you move to their company.

But how can every company say the same thing?

Different companies have a preferred profile for the driver that is profitable for them. For example, a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and drives newer vehicles. A propective insured who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile must pay higher premiums which usually ends up with business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently claim big savings.

This illustrates why drivers must compare as many rates as you can. It's not possible to predict which insurance companies will give you the biggest savings.

And the best car insurance company is...

Low-cost auto insurance is definitely available on the web and also from your neighborhood Freehold agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Consumers who switch companies do it for many reasons like delays in responding to claim requests, denial of a claim, extreme rates for teen drivers or policy non-renewal. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

Freehold auto insurance comparison

Additional auto insurance information can be found on the New Jersey Department of Banking and Insurance website through this link. New Jersey drivers can discover disciplinary actions, learn about insurance regulations, and download brochures.

Additional helpful sites include this resource for New Jersey auto insurance prices and this link which helps you find a Freehold agent.