Finding the Cheapest Orange Auto Insurance

Nobody looks forward to paying for auto insurance, especially knowing their premiums are too high.

Online insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to check auto insurance prices occasionally since insurance rates are constantly changing. Even if you got the lowest price a couple years back you will most likely find a better rate today. Block out anything you think you know about auto insurance because you're about to find out the tricks you need to know to eliminate unnecessary coverages and save money.

Take advantage of discounts

Companies do not list every available discount in a way that's easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving.

Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
New Vehicle Savings - 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.
Passive Restraints - Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
Accident Free - Good drivers with no accidents pay much less compared to drivers who are more careless.
Clubs and Organizations - Affiliation with a civic or occupational organization may earn a discount on your policy.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren't that generous.

How to know if you need help

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions might point out whether your personal situation may require specific advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Who is covered when they drive my vehicle?
Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Am I getting all the discounts available?
Do I have coverage when using my vehicle for my home business?

If you can't answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Are auto insurance companies telling the truth?

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim about savings after switching to them. How can each company say the same thing? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a preferred risk might be profiled as over the age of 50, owns a home, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be charged higher prices and this can result in business not being written. The ad wording is "customers who switch" not "people who quote" save money. That is how companies can truthfully advertise the way they do. That is why you should compare many company's rates. It's not possible to predict which company will provide you with the cheapest rates.

For more New Jersey car insurance information

Even more information is located at the New Jersey Department of Banking and Insurance website. New Jersey drivers can find out industry alerts, file complaints about an insurance agent or broker, download brochures, and read industry bulletins.

Shop smart and save

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability coverage limits only to discover later that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Throughout this article, we presented a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments than their larger competitors like .