Finding the Cheapest North Wildwood Auto Insurance

No one looks forward to paying for auto insurance, especially knowing the cost is too high. Companies like State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates occasionally since insurance rates are constantly changing. If you had the best rates last year you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to put money back in your pocket.

Save big with these discounts

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Accident Forgiveness - A handful of insurance companies will forgive one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

Keep in mind that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will reduce your overall premium however.

But I don't know anything about car insurance

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Everyone's needs are different so your insurance should reflect that These are some specific questions might point out if your situation would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won't pay a claim?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Should I drop comprehensive coverage on older vehicles?

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Auto insurance ads bend the truth

New Jersey drivers get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to make an identical promise that you can save if you move to their company.

How can each company say the same thing?

All the different companies have a certain "appetite" for the driver that earns them a profit. A good example of a desirable insured might be profiled as a mature driver, owns a home, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money and ends up with business not being written. The ad wording is "customers that switch" not "people who quote" save that much. That is how insurance companies can advertise the savings.

Because of the profiling, you should get as many comparisons as possible. It's not possible to predict which company will give you the biggest savings.

For more New Jersey car insurance information

More information can be read on the website for the New Jersey Department of Banking and Insurance located here. New Jersey drivers can learn about insurance regulations, read consumer alerts, download brochures, and view a list of available companies.

North Wildwood auto insurance quote

In the end, you save

Affordable auto insurance is possible on the web and also from your neighborhood North Wildwood agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford.