7 Tips Shown to Save on Car Insurance Costs in Oakhurst, NJ

Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than many other New Jersey consumers. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

compare Oakhurst car insurance rates

These seven discounts can lower your rates

Car insurance companies don't list every discount very clearly, so we researched both the well known and also the lesser-known savings tricks you should be using. If you're not getting every credit available, you're just leaving money on the table.

  • Drivers Education - Require your teen driver to successfully complete driver's ed class in high school.
  • Employee of Federal Government - Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
  • Life Insurance - Some companies give a discount if you purchase life insurance.
  • Defensive Driving Course - Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Good Students Pay Less - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • One Accident Forgiven - Certain companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

Keep in mind that most discounts do not apply to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, it just doesn't work that way.

For a list of insurance companies with the best car insurance discounts in New Jersey, click here to view.

Comprehensive Car Insurance Comparison in Oakhurst

Most major insurance companies like State Farm, Allstate and GEICO allow you to get coverage price quotes on their websites. Getting quotes is fairly simple as you simply type in the amount of coverage you want as detailed in the form. Once entered, the system will obtain reports for credit and driving violations and gives you a price quote. Being able to quote online streamlines rate comparisons, but the process of having to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible in order to find better car insurance pricing.

There is a better way!

A more efficient way to find cheaper rates is to use a quote form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much easier to do. After your information is entered, it is rated and you are able to buy any one of the quotes that you receive. If you find a better price you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you type in as shown on your current policy. This helps ensure you are getting a rate comparison based on identical coverages.

In the end, you save

While you're price shopping online, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Affordable car insurance is definitely available both online as well as from independent agents in Oakhurst, and you should be comparing both to have the best chance of lowering rates. Some companies don't offer online quoting and these small, regional companies work with independent agents.