Easy Tips to Save Money on Pitman Auto Insurance

Finding lower premiums on Pitman auto insurance is challenging for beginners to buying insurance online. People have so many choices that it can easily become a big hassle to find the best price in Pitman.

It's important to compare prices once or twice a year since insurance rates are constantly changing. Even if you think you had the lowest rates six months ago the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

Buying car insurance in Pitman is quite easy. Basically, every vehicle owner who has to buy auto insurance stands a good chance to be able to reduce their rates. Nevertheless, New Jersey vehicle owners do need to know how big insurance companies market insurance on the web and use this information to your advantage.

Take advantage of discounts

Companies offering auto insurance do not advertise every available discount very clearly, so we break down some of the best known and the more hidden auto insurance savings.

  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Drivers Education - Have your child take driver's ed class if offered at their school.
  • Safety Course Discount - Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • New Vehicle Savings - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Claim Free - Claim-free drivers can save substantially compared to bad drivers.
  • Memberships - Affiliation with a qualifying organization could qualify you for a break on your policy.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.

It's important to understand that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, it doesn't quite work that way.

To see a list of providers with discount auto insurance rates in New Jersey, follow this link.

Pitman auto insurance quote

How to Compare Auto Insurance Costs in Pitman

There are several ways to compare rate quotes and find the best price. The best method to compare insurance prices consists of obtaining rate quotes online. This can be done in several different ways.

  • The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions for each company. Taking the time to complete one form will get you price quotes from all major companies. It's definitely the quickest method.
  • A harder way to compare rate quotes requires a visit to the website for each individual company and fill out their own quote form. For example, we'll pretend you want rates from , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in Pitman, click here.
  • The least efficient way of getting rate comparisons is to spend time driving to and from local Pitman insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. You can, however, obtain prices from the web and still use a local agent and we'll touch on that later.

It doesn't matter which method you choose, just double check that you are using identical coverage limits for every quote you compare. If you have differing limits it will be next to impossible to determine the best price in Pitman. Just a small difference in coverage limits can result in a big premium difference. It's important to know that comparing a large number of companies helps you find better pricing.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Do you qualify for a multi-policy discount? - Some companies give discounts to people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money. Drivers may still find better rates by buying auto insurance from a different company.
  • Your car's features help determine rates - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
  • Extra coverages can waste money - There are quite a few extra bells and whistles you can purchase if you aren't careful. Coverages for roadside assistance, better glass coverage and additional equipment coverage are examples of these. They may seem good at first, but now you might not need them so eliminate them to save money.
  • More miles equals more premium - The higher the mileage driven every year the higher your rates will be. Almost all companies price each vehicle's coverage determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates than those used for commuting. Verify your auto insurance declarations sheet shows the correct usage for each vehicle.
  • Your stress level may be raising your rates - Occupations like lawyers, architects and financial analysts have higher average rates attributed to job stress and long work hours. Conversely, professions such as farmers, engineers and retirees get better rates.
  • Protect yourself with liability coverage - Your policy's liability coverage will protect you in the event that a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Small claims can cost you - Insurance companies in New Jersey provide lower rates to policyholders who do not file claims often. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

Are auto insurance companies telling the truth?

Companies like Allstate and Progressive consistently run ads on TV and radio. All the ads say the same thing of big savings if you change your coverage to them. How does each company say the same thing?

Different companies can use profiling for the type of customer that is profitable for them. For example, a preferred risk might be profiled as between 30 and 50, has no tickets, and has a high credit rating. A propective insured who fits that profile will get very good rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be charged higher prices which usually ends up with business not being written. The ads say "people who switch" not "people who quote" save that much money. That's why insurance companies can confidently state the savings. That is why drivers must get as many quotes as possible. It's not possible to predict the company that will have the lowest rates.

Shop smart and save

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Consumers leave their current company for many reasons like policy non-renewal, extreme rates for teen drivers, delays in responding to claim requests or delays in paying claims. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

Low-cost auto insurance is attainable on the web as well as from independent agents in Pitman, so compare prices from both so you have a total pricing picture. Some insurance companies don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

compare Pitman auto insurance rates

More tips and info about auto insurance can be found at the New Jersey Department of Banking and Insurance website. New Jersey drivers can read consumer alerts, view a list of available companies, and discover disciplinary actions.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Pitman agent directory.