6 Discounts Ramsey Drivers Forget when Comparing Car Insurance

Comparison shopping for Ramsey car insurance is a challenge for beginners to buying insurance online. People have so many companies to choose from that it can easily become a big hassle to find the best price in Ramsey.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be specifically requested before you get the savings. If you aren't receiving every discount available, you're paying more than you need to.

  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Claim Free - Claim-free drivers can earn big discounts when compared with bad drivers.
  • Drivers Ed for Students - Have your child enroll in driver's education in high school.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Pay Less - Owning a home in Ramsey may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

To see a list of insurers with the best car insurance discounts in Ramsey, follow this link.

car insurance in Ramsey

Cheap Ramsey Car Insurance Comparisons

Finding cheaper car insurance prices isn't really that difficult. Consumers just need to take time to compare rate quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

  • The best way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method prevents you from having to do repetitive form submissions for each company. In just a few minutes this one form will return price quotes from multiple companies.It's the quickest way to get rates.
  • A different way to shop for car insurance online consists of visiting the website for every company you want to comare to complete their respective quote request forms. For example, let's say you want rates from , and . You would have to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in Ramsey, click here.
  • The least efficient way of comparing rate quotes is driving to different Ramsey agent offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the trained guidance of a licensed agent. You can, however, obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, ensure you're using exactly the same deductibles and coverage limits on every quote you get. If you have different values for each quote it will be next to impossible to determine which rate is truly the best in Ramsey.

Save $429 a year? Really?

Consumers can't get away from ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you move your coverage to them.

How can each company make the same claim?

Different companies can use profiling for the type of customer that is profitable for them. An example of a profitable customer could be a mature driver, is a homeowner, and has excellent credit. Any new insured who fits that profile will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements must pay a higher premium which usually ends up with business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully make those claims.

This illustrates why drivers must get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

In the end, you save

Cheap car insurance is possible from both online companies as well as from independent agents in Ramsey, and you need to price shop both to have the best selection. Some companies don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Consumers who switch companies do it for many reasons like delays in responding to claim requests, high rates after DUI convictions, extreme rates for teen drivers or policy cancellation. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Additional information is available on the New Jersey Department of Banking and Insurance website through this link. Consumers can find disaster information, read industry bulletins, and download brochures.