How to Get Low-Cost Sussex Auto Insurance

Buying affordable Sussex auto insurance over the internet can be impossible for beginners to buying insurance online. With so many choices of insurers available, how can consumers effectively compare every one to find the lowest price available?

It's important to shop coverage around on a regular basis since insurance rates are constantly changing. Just because you had the best rates two years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance online but I'm going to show you some great ways to save money.

More discounts equal less premium

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be specially asked for prior to getting the savings.

  • Sign Online - A few companies give back up to $50 just for signing your application online.
  • Accident Waiver - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Early Signing - Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Passive Restraints - Factory air bags or automatic seat belts can receive discounts up to 30%.
  • Claim Free - Drivers who don't have accidents pay less as compared to bad drivers.

Keep in mind that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce your premiums.

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

How to Lower Your Auto Insurance Cost in Sussex, New Jersey

Most companies allow you to get coverage price quotes on their websites. Getting online quotes is fairly simple as you just type in the coverages you want into the quote form. Once you submit the form, their system will obtain your driving and credit reports and gives you a price quote.

This streamlines rate comparisons, but the process of having to visit different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step in order to find a lower rate.

There is a better way!

The preferred way to find lower prices requires only one form that gets price quotes from several different companies. It's a real time-saver, eliminates repetitive work, and makes online quotes much easier to do. As soon as the form is sent, it is rated and you can choose any or none of the price quotes you receive.

If you find a better price you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you input the insurance coverages as shown on your current policy. This makes sure you will have a price comparison based on the exact same insurance coverage.

Tips to Get Lower Sussex Rates

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Pay less if you're married - Getting married can actually save you money on your policy. It translates into being more mature and statistics show married drivers get in fewer accidents.
  • Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes cause accidents at a similar rate, but the males cause more damage. They also receive more costly citations like reckless driving and DUI. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • What type of vehicle do you drive? - The performance of the car you own makes a significant difference in your rates. The lowest base rates are usually for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.
  • High credit ratings translate to low rates - Credit score is a big factor in determining what you pay for auto insurance. Therefore, if your credit is lower than you'd like, you could pay less to insure your by improving your rating. People with good credit tend to be more responsible than those with poor credit.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, business owners and stock brokers have the highest rates due to high stress and long work days. On the other hand, jobs such as pilots, students and homemakers get better rates.
  • Little extras can really add up - There are many add-on coverages that you can buy if you aren't careful. Things like personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good initially, but now you might not need them so remove them from your policy.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. They all seem to make an identical promise that you can save if you switch your coverage to them. But how can every company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a desirable insured might be profiled as a mature driver, insures multiple vehicles, and chooses high deductibles. A propective insured who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will have to pay a more expensive rate and ends up with business not being written. The ads state "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can state the savings.

Because of the profiling, drivers must get as many quotes as possible. It's not possible to predict which insurance companies will give you the biggest savings.

Final considerations

Affordable auto insurance is available on the web as well as from independent agents in Sussex, and you need to price shop both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented some good ideas how you can compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a small mutual company.

People switch companies for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, high prices or poor customer service. It doesn't matter why you want to switch finding a new auto insurance company is actually quite simple.

For more New Jersey auto insurance information

More information can be read on the New Jersey Department of Banking and Insurance website found here. New Jersey drivers can get help finding coverage, learn about insurance regulations, and learn about specific coverages.

Additional helpful sites include this site for New Jersey auto insurance information and see this list of insurance agents in Sussex.