Quote Maywood Auto Insurance Prices With These Methods

Finding lower premiums on Maywood auto insurance is challenging for people who are new to comparison shopping online. You have so many options available that it can quickly become a ton of work to find lower rates in Maywood.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Pricing affordable auto insurance coverage in Maywood is quite easy. But New Jersey vehicle owners do need to know how insurance companies determine prices and apply this information to your search.

How to Compare Auto Insurance Costs in Maywood

There are several ways of comparing rate quotes and find the best price. The recommended way to find the lowest rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating a different quote for every auto insurance company. Taking the time to complete one form will return price quotes . It's the fastest way to compare.

A less efficient way to compare rate quotes consists of visiting the website for every company you want to comare to complete a price quote. For sake of this example, we'll assume you want rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why most consumers use the first method.

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

The least recommended way of comparing rate quotes is to drive around to and from local Maywood insurance agencies. The internet makes this process obsolete unless you prefer the personal advice of a local Maywood agent. However, consumers can compare the best prices online and still use a local agent and we'll touch on that later.

It's up to you which method you use, but double check that you are using the exact same deductibles and coverage limits with each company. If you enter different values for each quote it will be next to impossible to make an equal comparison in Maywood. Quoting even small variations in insurance coverages can make a big difference in price. It's important to know that quoting more will increase your chances of finding better pricing.

auto insurance in Maywood

What determines how much you pay?

It's important that you understand the different types of things that come into play when calculating auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.

  • Safe vehicles cost less to insure - Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
  • Frequent auto insurance claims increase rates - Auto insurance companies in New Jersey award better rates to people who file claims infrequently. If you tend to file frequent claims, you can expect higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Save money with special equipment - Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Traffic citations inflate rates - Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation can increase rates by twenty percent. Good drivers receive lower rates than people who have multiple driving citations. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Older drivers save more - Mature drivers are more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers tend to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.
  • Rates may be lower depending on your job - Occupations such as lawyers, business owners and accountants tend to pay higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, professions such as farmers, athletes and the unemployed have the lowest average rates.
  • Pay less if you're married - Having a spouse actually saves money on your policy. Having a spouse is viewed as being more mature than a single person and it's statistically proven that drivers who are married are more cautious.

Take advantage of discounts

Companies don't list all available discounts in an easy-to-find place, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Fewer Miles Equal More Savings - Keeping the miles down can earn discounted rates on garaged vehicles.
  • Student Driver Training - Require your teen driver to enroll in driver's education in high school.
  • Military Rewards - Being on active duty in the military can result in better rates.
  • Defensive Driving Course - Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • New Vehicle Savings - Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Air Bag Discount - Vehicles equipped with air bags can get savings of more than 20%.
  • Accident Free - Claim-free drivers can save substantially when compared with frequent claim filers.
  • Paperless Signup - Certain companies give back up to $50 for buying a policy and signing up on their website.
  • Student in College - Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.

Drivers should understand that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

For a list of insurers with the best auto insurance discounts in Maywood, click here to view.

More detailed New Jersey auto insurance information can be found at the New Jersey Department of Banking and Insurance website. New Jersey drivers can find disaster information, download brochures, and view a list of available companies.

compare Maywood auto insurance rates

Do the work, save more money

Budget-conscious auto insurance is possible on the web and with local Maywood insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

People who switch companies do it for many reasons like delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices and not issuing a premium refund. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

In this article, we covered some good ideas how you can lower your auto insurance rates. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a company that doesn't do a lot of advertising.