Free Guide to Paying Less for Watchung Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are a lot of people in Watchung just like you who feel imprisoned by their auto insurance policy.

Having so many auto insurance companies to choose from, it can be hard to find the lowest cost provider.

It's important to price shop coverage every six months because prices are constantly changing. If you had the best deal six months ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to lower your annual insurance bill.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better auto insurance rates.

The list below includes some of the factors that factor into your rates.

Do you qualify for a multi-policy discount? - The majority of insurance companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by splitting coverages up.
Do you have enough liability coverage? - The liability section of your policy provides coverage in the event that you are found liable for damages caused by your negligence. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
You might want pay the small claims yourself - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance companies in New Jersey generally give discounts to drivers who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.
Having a spouse can save you money - Being married actually saves money on auto insurance. Marriage usually means you are more mature it has been statistically shown that being married results in fewer claims.
Rates may be higher depending on your occupation - Occupations like doctors, social workers and stock brokers are shown to have the highest rates in part from high stress and long work hours. On the other hand, occupations like actors, students and the unemployed pay the least.
The type of vehicle makes a difference - The performance level of the vehicle you drive makes a huge difference in determining your rates. The cheapest insurance rates are usually for low performance passenger cars, but other factors influence the final cost greatly.

Compare Quotes for Watchung Auto Insurance

There are several ways to compare auto insurance prices but one way is more efficient than others. You can spend your afternoon driving to agents in Watchung, or you can stay home and use the internet to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company can give them a price based on that data. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of system is that you can't choose which providers you want to price. If you prefer to choose individual companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in New Jersey. View list of New Jersey insurance companies.

Whichever method you choose, ensure you are comparing apples-to-apples coverages on every quote. If you have different limits and deductibles on each one you will not be able to make a fair comparison in Watchung. Slightly different limits may result in large price differences. Just remember that comparing more company's prices provides better odds of finding lower pricing.

Be sure to get all your discounts

Companies offering auto insurance do not advertise every available discount very well, so here is a list both the well known and the harder-to-find discounts you could be receiving.

Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Organization Discounts - Being a member of a professional or civic organization may earn a discount on your policy.
Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with certain companies.
Homeowners Discount - Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
Driver's Ed - Cut your cost by having your teen driver take driver's ed class in high school.

Keep in mind that some credits don't apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.

To choose providers with the best auto insurance discounts in New Jersey, click here.

Is there truth in advertising?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads have a common claim that you can save if you move your policy. But how can every company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk might be over the age of 40, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be charged higher rates and this can result in the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can state the savings. That is why you need to get as many quotes as possible. It's impossible to know which auto insurance company will have the lowest rates.

Additional detailed information is available at the New Jersey Department of Banking and Insurance website. Visitors are able to read consumer alerts, find out which companies have the most complaints, download brochures, and get help finding coverage.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Watchung agent directory.

Affordable insurance is out there

As you restructure your insurance plan, do not reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Affordable auto insurance is definitely available both online in addition to many Watchung insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.