Oradell Auto Insurance For Less Than You're Paying Now

If you've never shopped for auto insurance online, you may be overwhelmed by the sheer number of auto insurance companies all offering big savings in Oradell.

It's important to price shop coverage occasionally because prices are constantly changing. Even if you got the best deal a few years ago a different company probably has better rates today. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to lower your annual insurance bill.

Policy discounts you shouldn't miss

Auto insurance companies don't list every available discount in a way that's easy to find, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Multi-policy Discount - If you have multiple policies with one company you may earn at least 10% off all policies.
  • Clubs and Organizations - Participating in a civic or occupational organization may earn a discount on your policy.
  • Military Discounts - Being deployed with a military unit could mean lower rates.
  • Discount for New Cars - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Employees - Active or retired federal employment could cut as much as 10% off with certain companies.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

Oradell auto insurance quote

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Listed below are some of the factors that factor into your rates.

  • Better credit scores mean better rates - Your credit score is a huge factor in determining your rates. If your credit history is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit.
  • Discounts for multiple policies - Most insurance companies give discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you're getting this discount it's in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Liability coverage is cheap - Liability insurance is the coverage that protects you in the event that a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not skimp.
  • Lower rates with optional equipment - Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured's situation is different.

For example, these questions might point out whether your personal situation might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • Should I file a claim if it's only slightly more than my deductible?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Save $429 a year? Really?

New Jersey consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. All the ads have a common claim about savings if you switch your policy.

How can each company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that earns them a profit. An example of a preferred risk could possibly be between the ages of 30 and 50, owns a home, and has a short commute. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully make the claims of big savings. That is why drivers should quote coverage with many companies. It's impossible to know which company will fit your personal profile best.

For more New Jersey car insurance information

Even more information is available at the New Jersey Department of Banking and Insurance website. New Jersey consumers can find out industry alerts, read consumer alerts, and find out which companies have the most complaints.

Oradell auto insurance quote

Best coverage at the best price

As you shop your coverage around, it's a bad idea to skimp on coverage in order to save money. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Drivers switch companies for any number of reasons including policy cancellation, policy non-renewal, questionable increases in premium and even unfair underwriting practices. No matter why you want to switch, switching auto insurance companies is less work than it seems.

You just read a lot of ways to reduce auto insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a lesser-known regional company.