How to Get the Cheapest Ridgefield Car Insurance

People who are new to shopping for insurance online may find shopping for affordable Ridgefield car insurance is more work than they anticipated.

It's important to check car insurance prices periodically because rates are constantly changing. Even if you got the lowest rates two years ago there may be better deals available now. So just forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. This information will familiarize you with how to get online quotes and some tips to save money. Nevertheless, New Jersey car owners do need to know the methods companies use to price online insurance and use this information to your advantage.

Be sure to get all your discounts

Car insurance companies don't always list all their discounts in a way that's easy to find, so we break down some of the more common and also the lesser-known car insurance savings.

  • Accident Forgiveness - A handful of insurance companies allow you one accident without raising rates as long as you don't have any claims for a set time period.
  • Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Bundle and Save - When you have multiple policies with one company you may earn at least 10% off all policies.
  • Federal Employees - Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Passive Restraints - Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Discount for Life Insurance - Larger companies have better rates if you take out life insurance.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way.

For a list of companies offering car insurance discounts in Ridgefield, follow this link.

Ridgefield Car Insurance Comparisons

There are several ways to shop for car insurance, but some are easier and takes less work. You can waste hours talking to agents in Ridgefield, or you could use the web to get rate comparisons in just a few minutes.

Most car insurance companies participate in an industry program that allows shoppers to submit their information once, and each company then gives them pricing based on that information. This eliminates the need for form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is that you can't choose the companies you want pricing from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of companies who write car insurance in New Jersey. Click here for list of insurance companies in New Jersey.

Whichever way you use, be sure to compare exactly the same coverage limits and deductibles for every quote you compare. If the quotes have different liability limits you can't possibly determine the best price in Ridgefield. Just a small difference in coverage limits can make a big difference in price. Keep in mind that quoting more will improve the odds of getting the best rates.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else's.

For example, these questions may help highlight whether or not you could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Do the work, save more money

Cost effective car insurance can be found from both online companies and with local Ridgefield insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you many ways to get a better price on car insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small mutual company.

When buying insurance coverage, it's a bad idea to sacrifice coverage to reduce premiums. In many cases, someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price.