Getting Low-Cost Phillipsburg Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say you are not the only one feeling buyer's remorse. With consumers having so many car insurance companies to choose from, it can be challenging to choose the cheapest car insurance company.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago you may be paying too much now. You can find a lot of misleading information regarding car insurance on the web, but I'm going to show you some great ways to slash your car insurance rates.

Shopping for affordable protection in Phillipsburg is easy if you know what you're doing. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. New Jersey drivers only need an understanding of the tricks to compare company rates over the internet.

How to Compare Car Insurance Quotes in Phillipsburg, New Jersey

Effectively comparing car insurance prices can take hours if you don't know the easiest way. You could spend your day discussing policy coverages with local insurance agents in Phillipsburg, or you could save time and use online quoting to get the quickest rates.

All the larger companies enroll in a system that allows shoppers to send in one quote, and each company then gives them pricing for coverage. This eliminates the need for quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to pricing coverage this way is you don't know exactly which companies you want pricing from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of car insurance companies in New Jersey. Click to view list.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage information with every price quote. If you use unequal deductibles or liability limits it's impossible to find the best deal in Phillipsburg.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.

Marriage brings a discount - Having a wife or husband can get you a discount when buying car insurance. It means you're more mature and responsible and it's proven that being married results in fewer claims.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be a windshield shattered by a rock, vandalism, or theft. Your deductibles are how much you are required to spend in the event of a claim. The more you are required to pay out-of-pocket, the less your car insurance will be.
Older drivers save more - Youthful drivers in New Jersey are known to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, file fewer claims and are safer drivers.
Discounts for multiple policies - Many companies will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to ensure the best deal. You may still find a better deal by buying car insurance from a different company.
Bad driving skills means higher rates - Your driving citation history has a big impact on rates. Careful drivers have lower premiums compared to drivers with tickets. Just one citation can boost insurance rates forty percent or more. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Men pay higher rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both have accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few must be manually applied prior to getting the savings. If you don't get every credit possible, you're just leaving money on the table.

Sign Online - A handful of insurance companies may give you up to $50 simply for signing online.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
College Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Senior Citizens - Older drivers may be able to get better car insurance rates.
Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Discount for Life Insurance - Larger companies have a break if you buy auto and life insurance together.

It's important to understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies who offer car insurance discounts in New Jersey, follow this link.

Additional car insurance information is located on the website for the New Jersey Department of Banking and Insurance located here. Visitors are able to get help finding coverage, report car insurance fraud, read enforcement actions against agents and companies, and read consumer alerts.

Other useful links include this site for New Jersey car insurance information and see this list of insurance agents in Phillipsburg.

A tidy conclusion

Low-cost car insurance can be bought both online and also from your neighborhood Phillipsburg agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, do not reduce needed coverages to save money. In many cases, someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at a price you can afford.

We just presented a lot of information how to lower your car insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the biggest savings come from some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like .