Lower Online Newark Auto Insurance Prices With These Tips

If price shopping auto insurance online is new to you, you may be overwhelmed by the vast number of auto insurance companies all offering big savings in Newark.

Take advantage of discounts

Car insurance companies do not advertise every discount very well, so we researched both the well known and the harder-to-find savings tricks you should be using. If you don't get every credit you qualify for, you are throwing money away.

  • Federal Employees - Active or retired federal employment could cut as much as 10% off with a few auto insurance companies.
  • Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Accident Forgiveness - Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Homeowners Savings - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

It's important to note that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like adding up those discounts means a free policy, you're out of luck.

How to know if you need help

When it comes to buying the best auto insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured's situation is different.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need PIP (personal injury protection) coverage in California?
  • Should I buy additional glass protection?
  • Is my cargo covered for damage or theft?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and may give you better protection.

Are auto insurance companies telling the truth?

Consumers in California get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all make an identical promise that you can save after switching your policy.

But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that earns them a profit. For instance, a driver they prefer might be between 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will be quoted more money and ends up with the customer not buying. The ad wording is "drivers who switch" not "people who quote" save that kind of money. That is how insurance companies can advertise the way they do. This emphasizes why you should compare as many rates as you can. It's impossible to know which company will provide you with the cheapest rates.

For more California car insurance information

Additional detailed information is located at the California Department of Insurance website. Visitors are able to download brochures, read consumer alerts, and learn about insurance regulations.

Also read more on this online resource for auto insurance quotes in California and this list of insurance agents in Newark.

Newark auto insurance quote

Best coverage at the best price

People change insurance companies for any number of reasons including extreme rates for teen drivers, policy cancellation, denial of a claim and even an unsatisfactory settlement offer. No matter why you want to switch, switching auto insurance companies is less work than it seems.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut collision coverage and learned later that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Lower-priced auto insurance can be sourced both online in addition to many Newark insurance agents, so compare prices from both in order to have the best chance of saving money. Some auto insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.