Free Guide to Cutting Costs on Union City Car Insurance Online

Expensive car insurance can overdraw your personal savings and put a big crunch on your finances. Comparison shopping is a smart way to tighten up your finances.

Online insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and consumers find it hard to sift through the bull and do the work needed to find the best deal.

Why some people pay less for insurance in Union City

Consumers need to have an understanding of some of the elements that help determine your car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

Extra coverages can waste money - There are a ton of add-on coverages that you can get tricked into buying on your policy. Insurance for rental car reimbursement, accidental death and motor club memberships are examples of these. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate the coverages to reduce your premium.
With age comes lower rates - More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers are known to be more careless when driving and because of this, their car insurance rates are much higher.
Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes are in accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
Choose a safe vehicle and save - Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
How's your driving record? - Good drivers have lower premiums compared to drivers with tickets. Just one moving violation can increase rates by as much as thirty percent. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to keep their license.

Are you getting all your discounts?

Companies don't list all available discounts in a way that's easy to find, so we researched some of the more common as well as the least known car insurance savings.

Driver Safety - Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
Student in College - Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
55 and Retired - If you're over the age of 55, you may be able to get reduced rates.
Military Rewards - Having a deployed family member may qualify for rate reductions.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiration. It's a savings of about 10%.
Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

To choose insurers who offer car insurance discounts in Union City, follow this link.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies say the same thing about savings after switching to them. How can each company make the same claim?

Insurance companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A customer 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 must pay higher premiums which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the way they do. This illustrates why you should compare many company's rates. Because you never know which insurance companies will provide you with the cheapest rates.

Tailor your coverage to you

When buying the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone's situation is a little different and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you will benefit from professional help.

Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Union City?
Should I buy additional glass protection?
Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
Are there companies who specialize in insuring high-risk drivers?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

More sites with car insurance information

Even more information is located at the New Jersey Department of Banking and Insurance website. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, learn about insurance regulations, and find disaster information.

Affordable insurance is out there

Cheap car insurance can be bought from both online companies and with local Union City insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for car insurance, it's not a good idea to buy poor coverage just to save money. There are a lot of situations where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.