Proven Techniques to Save on Holmdel Auto Insurance

Nobody I know looks forward to paying for auto insurance, in particular when the cost is way too high. Popular companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

If you have a policy now or need new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Buying car insurance in Holmdel is quite easy. New Jersey drivers only need an understanding of the tricks to get comparison rates on the web.

Auto Insurance Comparison Rates in Holmdel, NJ

Cutting your Holmdel auto insurance rates isn't really that difficult. You just have to spend a few minutes on the computer getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for boring form submissions to each individual auto insurance company. Just one form gets you price quotes from all major companies.
  • A less efficient way to get quotes online requires a trip to the website of each company and request a quote. For instance, let's assume you want to compare , and . To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular.

    To view a list of companies in Holmdel, click here.

However you get your quotes, be sure to compare exactly the same quote information with every price quote. If you are comparing mixed coverages it's not possible to find the best deal in Holmdel.

Save big with these discounts

Auto insurance companies don't list every discount in a way that's easy to find, so we took the time to find both well-publicized as well as the least known discounts you could be receiving. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Memberships - Participating in a civic or occupational organization may earn a discount when shopping for auto insurance.
  • Drivers Ed for Students - Have your child successfully complete driver's ed class if offered at their school.
  • Low Mileage Discounts - Low mileage vehicles can earn a substantially lower rate.
  • Multiple Cars - Insuring all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Larger companies have better rates if you take out auto and life insurance together.
  • Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

Consumers should know that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

To see a list of insurance companies with discount auto insurance rates in Holmdel, click here.

But I don't know anything about car insurance

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight if your situation may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?

If you can't answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Additional New Jersey consumer information

More tips and info about auto insurance can be found at the New Jersey Department of Banking and Insurance website. New Jersey consumers can download brochures, file complaints about a company, find out which companies have the most complaints, and view a list of available companies.