Top Ways to Save on Roselle Park Auto Insurance

No one likes having to buy auto insurance, especially knowing their premiums are too high. Having so many online and local companies to choose from, it's nearly impossible to pick the most affordable provider.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Even if you got the lowest price a year ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to find better coverage at a better price.

Roselle Park auto insurance comparison

Roselle Park Auto Insurance Comparisons

There are multiple methods to shop for auto insurance, but there is one way that is easier and takes less work. You can spend countless hours discussing policy coverages with insurance agencies in Roselle Park, or you can utilize the internet to get the quickest rates.

The majority of car insurance companies participate in a marketplace that enables customers to submit their information once, and each company then gives them pricing for coverage. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you are unable to specify the providers to receive prices from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of low cost auto insurance companies in New Jersey. Click to view list.

It's up to you which method you use, but be sure to compare apples-to-apples information on every quote you get. If you use higher or lower deductibles it will be impossible to determine which rate is truly the best in Roselle Park.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but less common discounts must be specifically requested prior to getting the savings. If you don't get every credit you qualify for, you're paying more than you need to.

  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Driver's Ed - Have your child complete a driver education course if it's offered in school.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

To see a list of companies who offer auto insurance discounts in New Jersey, click here to view.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required New Jersey minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Additional New Jersey consumer information

Additional information is located on the website for the New Jersey Department of Banking and Insurance through this link. New Jersey drivers can read enforcement actions against agents and companies, file complaints about a company, view agent and company licensing information, and read consumer alerts.

Additional helpful sites include Auto Insurance 101 and this page where you can research Roselle Park insurance agents.