6 Simple Tricks to Lower Car Insurance Costs in Shrewsbury

Shopping for affordable Shrewsbury car insurance on the web can be impossible for consumers not familiar with buying insurance online. With such a large number of companies in the marketplace, how can you possibly compare every company to locate the best pricing?

It's important to do rate comparisons quite often since rates are constantly changing. Just because you found the best price a few years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you're about to find out the quickest way to properly buy coverages while reducing your premium.

Free Shrewsbury Car Insurance Quotes

There are several ways to compare rate quotes from local Shrewsbury car insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form entry for every car insurance company. One form gets you price quotes direct from many companies. It's the fastest way to compare.
  • A different way to compare rate quotes requires a trip to the website for each individual company and fill out their own quote form. For instance, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker.

    To view a list of companies in Shrewsbury, click here.
  • The hardest way of getting rate comparisons is driving around to different Shrewsbury agent offices. The internet has reduced the need for local agents unless you want the professional advice of a local Shrewsbury agent. Drivers can get prices online and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just make darn sure you compare exactly the same quote information for every quote you compare. If you are comparing mixed coverages you can't possibly determine the best price in Shrewsbury. Having just a slight variation in limits can mean a large discrepancy in price. And when comparison shopping, more quotes will increase your chances of finding a better price.

New Jersey car insurance quotes

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's.

These are some specific questions may help you determine whether your personal situation would benefit from an agent's advice.

  • When does my teenage driver need to be added to my policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • What are New Jersey no-fault laws?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

The best insurance company isn't always the cheapest

As you shop your coverage around, it's not a good idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the best price.

Lower-priced car insurance can be sourced from both online companies and with local Shrewsbury insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Insureds leave their current company for a variety of reasons including delays in paying claims, not issuing a premium refund, questionable increases in premium or unfair underwriting practices. No matter why you want to switch, finding a new car insurance company is actually quite simple.