5 Discounts Linden Drivers Forget when Quoting Car Insurance
Cutting costs on Linden car insurance is a challenge for consumers not familiar with comparing rates online. People have so many companies to choose from that it can be a lot of work to locate the lowest price in Linden.
The purpose of this article is to instruct you on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will be able to cut costs considerably using this information. New Jersey consumers only need to know the proper way to compare prices online.
Comprehensive Car Insurance Comparison in Linden
There are several ways you can shop for car insurance but some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in Linden, or you could save time and use the internet for quick rates.
Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company provides a quote determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.
To submit your quote information now, click here to open in new window.
One minor caviat to comparing rates this way is you cannot specify which providers to get quotes from. So if you want to select individual companies to compare rates, we put together a list of car insurance companies in New Jersey. View list of New Jersey insurance companies.
However you get your quotes, double check that you are using apples-to-apples deductibles and coverage limits on every quote you get. If your comparisons have different values for each quote it's impossible to determine which rate is truly the best in Linden.
How much can you save with these 5 discounts?
Insuring your fleet can be pricey, buy you may qualify for discounts to help offset the cost. Some trigger automatically when you quote, but less common discounts must be specifically requested before you get the savings. If you don't get every credit available, you are paying more than you should be.
- Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
- Military Discounts - Being deployed with a military unit can result in better rates.
- Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you could save 5% or more.
- New Car Discount - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.
To choose insurance companies with the best car insurance discounts in New Jersey, click here.
Save 15 percent in 15 minutes? Is it for real?
Consumers can't ignore all the ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. They all have a common claim about savings if you move your policy.
But how can every company make the same claim?
Different companies can use profiling for the right customer that makes them money. For instance, a driver they prefer could be between 25 and 40, has no tickets, and has excellent credit. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save a lot of money.
Drivers who don't meet this ideal profile will be quoted a higher premium and this can result in business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully make those claims.
This emphasizes why you need to get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.
Additional information is located on the New Jersey Department of Banking and Insurance website located here. Consumers can download brochures, find disaster information, and read consumer alerts.
Other informative sites include this site for car insurance rates in New Jersey and this list of insurance agents in Linden, NJ.
A tidy conclusion
Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, policy non-renewal or even not issuing a premium refund. It doesn't matter what your reason, choosing a new insurance company is easier than you think.
You just learned a lot of techniques to compare car insurance prices online. The key concept to understand is the more providers you compare, the better chance you'll have of finding lower rates. You may even find the most savings is with some of the lesser-known companies.
While you're price shopping online, don't be tempted to reduce coverage to reduce premium. There have been many situations where an insured dropped liability coverage limits only to discover later they didn't purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.
