Top 7 Ways to Save Money on Car Insurance in Hampton

Scraping up a payment for overpriced car insurance can take a big chunk out of your checking account and force you to make sacrifices. Doing a price comparison is a smart way to cut your insurance bill.

Multiple compete for your hard-earned dollar, and because of this it can be hard to compare and get the definite lowest price

It's important to do rate comparisons quite often since rates are constantly changing. Even if you think you had the best deal a couple years back the chances are good that you can find a lower rate today. Starting now, ignore everything you know about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Hampton is easy if you know what you're doing. But New Jersey consumers do need to know how insurance companies market insurance on the web and take advantage of how the system works.

Policy discounts you shouldn't miss

Car insurance is not cheap, but you may find discounts to help bring down the price. Some discounts apply automatically when you complete an application, but some must be asked about before they will apply.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Senior Citizens - Mature drivers may receive reduced rates.
  • Low Mileage - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Accident Free - Drivers who don't have accidents can earn big discounts compared to bad drivers.
  • Accident Waiver - A few companies allow you one accident before raising your premiums if you are claim-free for a set time period.

Consumers should know that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way. But all discounts will cut the amount you have to pay.

To see a list of providers with discount car insurance rates in Hampton, follow this link.

Hampton car insurance quote

Free Hampton Car Insurance Quotes

The are a couple different ways to get quotes from local Hampton car insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in a couple of different ways.

  • The best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This method keeps you from doing a different quote for each company you want a rate for. One form will get you price quotes .
  • A more time consuming way to shop for car insurance online requires a visit to the website for each individual company and complete a new quote form. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Hampton, click here.
  • The least efficient way of getting rate comparisons is to drive around to insurance agents' offices. The internet has reduced the need for local agents unless you want the personal advice that only a license agent can provide. You can, however, obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make darn sure you compare the exact same coverage limits on every quote. If you are comparing differing limits you can't possibly make a fair comparison in Hampton. Just a small difference in insurance coverages can mean a large discrepancy in price. And when comparison shopping, more quotes will enable you to find better pricing.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in New Jersey?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads say the same thing that you'll save big if you change to them. How do they all claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. An example of a preferred risk might be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be charged higher rates which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. This is how companies can advertise the way they do.

That is why drivers must get as many quotes as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Shop smart and save

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. Too many times, drivers have reduced liability limits or collision coverage only to find out that the savings was not a smart move. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Discount car insurance is attainable both online and with local Hampton insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Hampton car insurance comparison

More sites with car insurance information

Much more information about car insurance in New Jersey is available on the website for the New Jersey Department of Banking and Insurance found here. Visitors are able to read consumer alerts, learn about insurance regulations, find disaster information, and report car insurance fraud.