Easy Tips to Pay Less on Voorhees Auto Insurance

Are you overwhelmed by the dozens of auto insurance company choices in Voorhees? Lot's of other consumers are too. You have so many options that it can turn into a challenge to find lower rates.

Are you getting all your discounts?

Companies offering auto insurance do not list every discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving.

Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Paperwork-free - Certain companies may give you up to $50 for buying your policy over the internet.
Homeowners Discount - Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
Air Bag Discount - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

As a disclaimer on discounts, some credits don't apply the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren't that generous.

Voorhees Rates are Influenced by These Factors

Smart consumers have a good feel for the factors that help determine the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

The following are a partial list of the pieces auto insurance companies consider when setting prices.

Theft deterrents lower rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Do you need those extra coverages? - There are a ton of extra coverages that can waste your money when buying auto insurance. Coverages for rental car reimbursement, accident forgiveness and term life insurance are some examples. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.
Big city or small town - Choosing to live in a rural area can save you money when talking about auto insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
More miles equals more premium - Driving more miles in a year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Having a spouse can save you money - Having a wife or husband can get you a discount on auto insurance. Having a significant other means you're more responsible and it's statistically proven that being married results in fewer claims.
Older drivers pay less - Youthful drivers in New Jersey are known to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and get fewer tickets.
Adjust deductibles and save - The deductibles define the amount you are required to spend if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more you are required to pay out-of-pocket, the less your auto insurance will be.

How can State Farm, Allstate and GEICO save drivers who switch?

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on television and other media. They all have a common claim about savings after switching to their company. How does each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. For instance, a driver they prefer might be over the age of 40, has no tickets, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted higher premiums and this can result in the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that much. That's the way companies can truthfully make those claims. This emphasizes why drivers should get as many quotes as possible. It's impossible to know which auto insurance company will have the lowest rates.

Find out more about auto insurance

Even more information is located at the New Jersey Department of Banking and Insurance website. Visitors are able to view a list of available companies, discover disciplinary actions, and view agent and company licensing information.

Also read more on this site for auto insurance rates in New Jersey and this list of insurance agents in Voorhees, NJ.

The best insurance company isn't always the cheapest

Drivers change insurance companies for many reasons like extreme rates for teen drivers, delays in responding to claim requests, delays in paying claims and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

Cheap auto insurance can be purchased both online and also from your neighborhood Voorhees agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

While you're price shopping online, make sure you don't skimp on coverage in order to save money. There have been many situations where an insured dropped liability coverage limits only to discover later they didn't purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.