Best Way to Find the Cheapest Trenton Auto Insurance

Are you intimidated by the crazy number of auto insurance company choices in Trenton? Many other consumers are too. You have so many options that it can turn into a real challenge to find the lowest price.

These discounts can lower your rates

Companies offering auto insurance don't always advertise every discount in a way that's easy to find, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you aren't receiving every discount possible, you are throwing money away.

Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
Save over 55 - If you qualify as a senior citizen, you may be able to get reduced rates.
Accident Free - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Multiple Policy Discount - If you have multiple policies with one insurance company you may save approximately 10% to 15%.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

Why some people pay less for insurance in Trenton

Smart consumers have a good feel for some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

Theft deterrents lower rates - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
Do you know your deductibles? - Your deductibles define the amount you are required to spend before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The higher the amount you're willing to pay, the less your auto insurance will be.
Men pay higher rates - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. They both are in accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Careers like lawyers, architects and dentists tend to pay the highest average rates because of high stress levels and lots of time spent at work. Other occupations such as actors, historians and performers have the lowest average rates.
Your credit rating is important - Having a bad credit history is a important factor in calculating your auto insurance rates. If your credit history is not that good, you could potentially save money when insuring your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
How many coverages with the same company - Many companies provide better rates to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to compare other company rates to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.

Are you falling for claims of savings?

Florida consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. They all say the same thing about savings after switching to them.

How can each company make almost identical claims?

All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer could possibly be between 30 and 50, has no driving citations, and has excellent credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save money. That's the way companies can truthfully make those claims. This emphasizes why drivers should get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.

Learn more about Florida auto insurance

Even more information can be found at the Florida Office of Insurance Regulation website. Florida consumers can view a list of available companies, report car insurance fraud, and learn about insurance regulations.

In the end, you save

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, denial of a claim and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

Cheaper auto insurance can be bought online and with local Trenton insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

While you're price shopping online, it's a bad idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage only to discover later they didn't purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.