Tightwads Guide to Saving on Mays Landing Auto Insurance

Overpriced auto insurance can take a big chunk out of your savings account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. Because there are so many different company options, it's difficult to pick the right insurance company.

How to Get Cheap Auto Insurance in Mays Landing, NJ

Cutting your auto insurance rates is surprisingly easy. Consumers just need to take the time to get quotes online with multiple companies. This can be accomplished in a couple of different ways.

  • The recommended way to find low rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate quotation requests for every auto insurance company. A single, simple form will return quotes from auto insurance companies with the best prices.
  • A more difficult way to shop for auto insurance online is to take the time to go to each individual company website and fill out their own quote form. For examples sake, let's assume you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in Mays Landing, click here.

It's your choice how you get your quotes, but make sure you use apples-to-apples coverages and limits for each comparison quote. If you use different deductibles it's not possible to determine the lowest rate in Mays Landing.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise all available discounts very well, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If you don't get every credit you deserve, you're paying more than you need to.

  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Early Signing - Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Memberships - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.

Keep in mind that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.

To see a list of insurers offering auto insurance discounts in New Jersey, click here to view.

Insurance agents can help

When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can help discover whether your personal situation might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Additional detailed information can be read at the New Jersey Department of Banking and Insurance website. New Jersey consumers can report car insurance fraud, view agent and company licensing information, file complaints about a company, and read consumer alerts.

Additional helpful sites include this page for New Jersey auto insurance and this page for help finding agents in Mays Landing, NJ.