Top 8 Ways to Save Money on Car Insurance in Neptune

Expensive car insurance can dwindle your checking account and force you to make sacrifices. Shopping your coverage around is a smart way to slash your bill and have more diposable income.

Insurance companies such as GEICO and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

How much can you save with these eight discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Some trigger automatically at quote time, but some may not be applied and must be inquired about in order for you to get them.

Government Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
55 and Retired - If you're over the age of 55, you may receive reduced rates.
Military Rewards - Having a deployed family member could be rewarded with lower premiums.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Accident Free - Drivers who don't have accidents pay less when compared to accident-prone drivers.
Low Mileage Discounts - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Theft Prevention System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.

It's important to note that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, you're out of luck. But any discount will reduce the amount you have to pay.

To choose insurance companies with discount car insurance rates in Neptune, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing that you can save if you change to them. How can each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. A good example of a driver they prefer could be between 25 and 40, insures multiple vehicles, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will be quoted more money which usually ends up with business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. This is how insurance companies can advertise the savings.

This emphasizes why you should get as many quotes as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

How much car insurance do I need?

When buying coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

Why am I required to get a high-risk car insurance policy?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Are there companies who specialize in insuring high-risk drivers?
Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

More sites with car insurance information

More information can be read on the website for the New Jersey Department of Banking and Insurance. Click here for link. Consumers can read industry bulletins, learn about insurance regulations, find disaster information, and download brochures.

Shop smart and save

When you buy insurance online, it's a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Lower-priced car insurance is attainable from both online companies and with local Neptune insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and these small insurance companies work with independent agents.