Proven Techniques to Save on Old Bridge Car Insurance

Are you sick and tired of not being able to afford each month for car insurance? You are in the same boat as many other New Jersey drivers.

Companies like GEICO and Progressive constantly bombard you with ad campaigns and consumers find it hard to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates in Old Bridge is easy if you know what you're doing. But New Jersey car owners do need to know how the larger insurance companies price online insurance.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you can get discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount.

Drivers Ed for Students - Have your child successfully complete driver's ed class in school.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Multiple Policy Discount - When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
Homeowners Pay Less - Simply owning a home can help you save on car insurance because owning a home demonstrates responsibility.
No Accidents - Claim-free drivers pay less when compared to bad drivers.
Paperwork-free - A few companies will give a small break for buying a policy and signing up digitally online.
One Accident Forgiven - A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

To see a list of insurance companies offering car insurance discounts in Old Bridge, click here to view.

Fast and Easy Old Bridge Car Insurance Quotes

Most companies give coverage prices on their websites. The process is quite simple as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, their rating system will obtain information on your driving record and credit history and returns a price quote based on these and other factors. Online quotes helps simplify price comparisons, but the process of having to visit different websites and complete many quote forms can get tiresome after awhile. But it's very important to have as many quotes as possible in order to get the best price on car insurance.

The easy way to compare rates

The preferred way to find cheaper rates utilizes a single form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes price shopping online much more enjoyable. As soon as the form is sent, your coverage is rated and you can choose your choice of the price quotes you receive.

If you find a better price you can click and sign and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

If you want to find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input the insurance coverages just like they are on your policy. This makes sure you will get a price comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that go into determining your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

Keep rates low by being claim-free - If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Companies in New Jersey award cheaper rates to people who are claim-free. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
Save money with special equipment - Driving a car with a theft deterrent system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Multi-policy discounts can save money - Most insurers provide better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it's still a good idea to compare rates to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
How's your driving record? - A bad driving record has a huge affect on how much you pay. Careful drivers get better rates than bad drivers. Even one ticket can boost insurance rates by twenty percent. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to continue driving.
Your job and insurance rates - Did you know your job can affect your rates? Careers like real estate brokers, business owners and dentists tend to have the highest average rates due to stressful work requirements and long work days. Other occupations such as farmers, historians and homemakers receive lower rates.
Pay less if you're married - Getting married can actually save you money on your policy. Having a significant other means you're more mature than a single person and statistics show drivers who are married are more cautious.
Battle of the sexes - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. Both sexes are in accidents at a similar rate, but the men cause more damage. Men also statistically receive more costly citations such as reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.

How can State Farm, Allstate and GEICO save drivers who switch?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. They all make an identical promise that you'll save big if you switch to their company. How can each company make the same claim? It's all in the numbers.

Insurance companies can use profiling for the driver that is profitable for them. A good example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be quoted more money and ends up with business going elsewhere. The ads state "customers who switch" not "everybody who quotes" save that much. That's why companies can state the savings.

This emphasizes why drivers must compare many company's rates. Because you never know the company that will give you the biggest savings.

Shop smart and save

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

We just showed you some good ideas how you can compare car insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a small mutual company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as .

More New Jersey car insurance information

Much more information about car insurance in New Jersey can be read on the website for the New Jersey Department of Banking and Insurance found here. Consumers can download brochures, view a list of available companies, read consumer alerts, and file complaints about a company.