Free Guide to Saving Money on Montville Car Insurance Online

No one in their right mind looks forward to paying for car insurance, particularly when the price is too high. Online insurance companies like GEICO and Progressive continually bombard you with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Take advantage of discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but some must be requested specifically prior to receiving the credit. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Driver Safety - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings - Owning a home in Montville can save you money due to the fact that maintaining a home requires personal responsibility.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • Senior Citizens - Mature drivers may be able to get a discount up to 10%.
  • Military Discounts - Being deployed with a military unit may qualify for rate reductions.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of insurers who offer car insurance discounts in Montville, click here.

car insurance in Montville

Vehicle Insurance Comparison

Finding cheaper car insurance prices can be surprisingly simple. Just take a couple of minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  • The best way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for boring form submissions for every car insurance company. Just one form gets you price quotes from all major companies.
  • A slightly less efficient method to compare rate quotes requires visiting the website for every company you want to comare and fill out their own quote form. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in Montville, click here.
  • The most time-consuming method to get comparison rates is to spend time driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you require the trained guidance of a local Montville agent. It is possible to obtain prices from the web and still use a local agent and you'll learn how to do that later.

However you get your quotes, be sure to compare exactly the same quote information for every quote you compare. If you use mixed coverages it's impossible to determine the best price in Montville.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the factors that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in lower car insurance prices.

  • Don't get talked into coverage you don't need - There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Insurance for roadside assistance, accidental death and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Bad driving skills means higher rates - Drivers with clean records have lower premiums compared to drivers with tickets. Even a single moving violation may increase your cost twenty percent or more. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • What are your deductibles? - The deductibles represent how much money you are required to spend before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The more money the insured has to pay upfront, the lower your rates will be.
  • Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Occupations such as doctors, social workers and dentists are shown to have the highest average rates because of high stress levels and lengthy work days. Other professions such as scientists, historians and performers pay the least.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in New Jersey?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Are car insurance companies telling the truth?

Consumers in New Jersey can't get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies have a common claim about savings after switching your policy.

How can each company claim to save you money?

All companies have a certain "appetite" for the right customer that is profitable for them. An example of a profitable customer might be between 30 and 50, a clean driving record, and has a high credit rating. Any driver that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements must pay higher prices and this can result in the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That is how companies can truthfully state the savings.

This illustrates why drivers must get as many comparisons as possible. You cannot predict which company will have the lowest rates.

In the end, you save

Cheap car insurance can be sourced both online in addition to many Montville insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just presented a lot of techniques to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the best prices are with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .

New Jersey car insurance

Additional information is available on the website for the New Jersey Department of Banking and Insurance located here. Visitors are able to discover disciplinary actions, file complaints about a company, report car insurance fraud, and read industry bulletins.