Tightwads Tips for Saving on Kingston Auto Insurance

Tired of paying out the nose each month for car insurance? Your situation is no different than many other New Jersey drivers. Drivers have so many to buy insurance from, and even though it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices before your policy renews because prices are constantly changing. Just because you had the best deal a year ago you will most likely find a better rate today. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Buying the cheapest coverage in Kingston is simple if you know the tricks. If you have insurance now or need new coverage, you can learn to find the best rates while maintaining coverages. New Jersey drivers only need an understanding of the proper methods to find the lowest price online.

Don't pay full price with these discounts

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specifically requested before you get the savings. If you're not getting every credit available, you are throwing money away.

  • Air Bag Discount - Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with certain companies.
  • Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • E-sign - A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • Multi-car Discount - Having more than one vehicle on one policy could earn a price break for each car.
  • Low Mileage - Driving fewer miles can qualify you for a substantially lower rate.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.

It's important to understand that some credits don't apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will bring down your premiums.

New Jersey auto insurance

The auto insurance bait and switch

Consumers in New Jersey get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm and Allstate. All the ads have a common claim of big savings if you switch your coverage to them.

How does each company claim to save you money?

All the different companies can use profiling for the type of customer that earns them a profit. An example of a preferred risk might be between 30 and 50, is a homeowner, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and therefore will save when switching.

Drivers who don't measure up to these standards will be charged a higher premium and this can result in the customer not buying. The ads say "people who switch" not "everyone that quotes" save that much money. That's why insurance companies can confidently make those claims.

That is why you should get quotes from several different companies. It's impossible to know the company that will have the lowest rates.

Learn more today

Additional auto insurance information is available on the website for the New Jersey Department of Banking and Insurance through this link. Visitors are able to find out industry alerts, download brochures, file complaints about a company, and get help finding coverage.

And the best car insurance company is...

We covered a lot of ways to reduce auto insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with a company that doesn't do a lot of advertising. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as .

Low-cost auto insurance is available both online as well as from independent agents in Kingston, so compare prices from both to have the best selection. Some companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.