How to Know You're Wasting Money for Auto Insurance in Springfield

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, you're not alone. You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around at least once a year since insurance rates are constantly changing. Even if you think you had the best price last year you can probably find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate how to quote online to properly buy coverages while reducing your premium.

Buying car insurance in Springfield is not that difficult. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. New Jersey consumers only need to know the most efficient way to get comparison quotes on the web.

Compare the Market for Auto Insurance in Springfield

Cutting your Springfield auto insurance rates is surprisingly easy. Just invest a few minutes comparing rate quotes provided by online insurance companies. This can be done in several different ways.

The recommended way to find low rates is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate forms for each company. Completing one form will get you price quotes from several companies.
A harder way to compare rate quotes requires a visit to the website for each individual company to request a price quote. For example, let's say you want to compare rates from , and . You would have to visit each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Springfield, click here.

It doesn't matter which method you choose, just compare identical coverage limits for each price quote. If you compare differing limits you can't possibly truly determine the lowest rate in Springfield.

Take advantage of discounts

Car insurance companies don't list all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known ways to save on auto insurance. If you're not getting every credit possible, you're paying more than you need to.

Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
Homeowners Discount - Owning a house in Springfield may earn you a small savings because maintaining a house is proof that your finances are in order.
Safety Course Discount - Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you could save up to 5%.
Bundle and Save - When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

To see a list of companies with discount auto insurance rates in New Jersey, click this link.

Even more information can be found at the New Jersey Department of Banking and Insurance website. New Jersey drivers can file complaints about an insurance agent or broker, find disaster information, discover disciplinary actions, and report car insurance fraud.