Free Guide to Spending Less for Landing Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out.

There are many to pick from, and although it's nice to be able to choose, it makes it harder to compare rates.

It's important to check auto insurance prices every six months because prices are constantly changing. Even if you got the lowest price a few years ago you can probably find a better price now. Don't believe everything you read about auto insurance online, so I'm going to show you some great ways to quit paying high auto insurance rates.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

  • More miles equals more premium - Driving more miles in a year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, and burglary. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more you're willing to pay, the less your auto insurance will be.
  • Where you live can impact rates - Choosing to live in a small town can be a good thing when talking about auto insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer drivers means fewer accidents as well as less vandalism and auto theft.
  • Do men or women drive better? - Statistics demonstrate that women are safer drivers than men. However, this does not mean women are better drivers. Men and women cause accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Don't cancel a policy without a new one in place - Allowing your coverage to lapse will be a fast way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with the New Jersey motor vehicle department.
  • Do you have a high stress job? - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, business owners and financial analysts tend to pay higher average rates attributed to high stress levels and long work hours. Conversely, jobs such as actors, engineers and performers have the lowest average rates.

New Jersey auto insurance quotes

More discounts equal less premium

Companies that sell car insurance don't list all their discounts very clearly, so we researched both the well known and the more hidden savings tricks you should be using.

  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multiple Vehicles - Having multiple vehicles with the same company could earn a price break for each car.
  • No Charge for an Accident - Certain companies permit an accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
  • Seat Belts Save - Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Accident Free - Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Drive Less and Save - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.

To choose companies who offer auto insurance discounts in New Jersey, click here to view.

Switch companies and save? Really?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads in print and on television. They all seem to make an identical promise about savings after switching to them. How does each company claim to save you money?

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured might be between 30 and 50, has no driving citations, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money and ends up with the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save money. That's the way companies can truthfully make the claims of big savings. Because of the profiling, you should get quotes from several different companies. It's impossible to know which auto insurance company will fit your personal profile best.

Even more information is located at the New Jersey Department of Banking and Insurance website. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, view agent and company licensing information, and learn about insurance regulations.

Other informative sites include Auto Insurance 101 and this page where you can research Landing insurance agents.

Shop smart and save

As you shop your coverage around, make sure you don't buy poor coverage just to save money. In many instances, someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Cheaper auto insurance can be purchased both online and with local Landing insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

We covered many tips how you can save on auto insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with a company that doesn't do a lot of advertising. Some small companies may cover specific market segments cheaper as compared to the big name companies such as .