Tightwads Guide to Saving on Sea Girt Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are lots of people in the same boat.

Because there are so many choices of insurance companies, it's nearly impossible to pick the cheapest car insurance company.

Finding the best rates in Sea Girt is quite easy. Just about every driver 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 the larger insurance companies sell online and apply this information to your search.

Comprehensive Sea Girt Auto Insurance Comparison

Most companies quote coverage prices on their websites. Getting online quotes is pretty painless as you simply type in the coverages you want as detailed in the form. When the form is submitted, their system will obtain credit information and your driving record and returns a price quote based on these factors. This helps simplify price comparisons, but the time required to go to many different websites and enter the same data into a form can get tiresome after awhile. But it's very important to perform this step if you are searching for better auto insurance pricing.

There is an easier way!

A quicker way to lower your rates requires only one form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable. After sending the form, it is quoted and you can select any or none of the quotes returned. If a lower price is quoted, you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles identical to your current policy. This ensures you will get a fair comparison for similar insurance coverage.

These discounts can lower your rates

Companies offering auto insurance don't always advertise every discount very well, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

No Accidents - Drivers with accident-free driving histories can save substantially when compared to bad drivers.
Multiple Vehicles - Buying coverage for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
No Charge for an Accident - Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Payment Method - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
Senior Discount - Mature drivers may be able to get better auto insurance rates.
Low Mileage Discounts - Fewer annual miles can earn better rates on cars that stay parked.
Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way.

To see a list of insurance companies who offer auto insurance discounts in New Jersey, click this link.

Learn more about New Jersey auto insurance

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 industry bulletins, find out which companies have the most complaints, learn about insurance regulations, and read consumer alerts.

Additional helpful sites include this online resource for auto insurance quotes in New Jersey and this list of insurance agents in Sea Girt.