How to Know You're Paying Too Much for Car Insurance in Wayne

I can't think of a single person who enjoys paying for car insurance, especially when their premiums are through the roof.

With consumers having so many online and local companies to choose from, it is very difficult to choose the lowest price insurance company.

car insurance in Wayne

Don't pay full price with these discounts

Car insurance companies don't necessarily list all available discounts very well, so we break down some of the more common and the more hidden car insurance savings.

  • Defensive Driving Course - Successfully completing a driver safety course can save you 5% or more depending on where you live.
  • Air Bag Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Sign Early and Save - A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.
  • Good Student - Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.

It's important to note that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you're out of luck.

For a list of insurers with the best car insurance discounts in New Jersey, follow this link.

Vehicle Insurance Comparison

Shopping for lower car insurance rates can take hours if you don't know the fastest way to get free quotes. You can waste hours talking to insurance agencies in Wayne, or you can utilize the web for quick rates.

Most car insurance companies enroll in a system that enables customers to submit their information once, and each participating company provides a quote. This eliminates the need for form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you are unable to specify the companies to get pricing from. So if you prefer to choose from a list of companies to compare, we have assembled a list of low cost car insurance companies in New Jersey. View list of New Jersey insurance companies.

Which method you use is up to you, but be sure to compare apples-to-apples deductibles and coverage limits for each price quote. If you are comparing different values for each quote it will be next to impossible to truly determine the lowest rate in Wayne. Just a small difference in limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in New Jersey?
  • Should I buy additional glass protection?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Affordable insurance is out there

Lower-priced car insurance is possible from both online companies and also from your neighborhood Wayne agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you a lot of information how to get a better price on car insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even find the best price on car insurance is with a company that doesn't do a lot of advertising. These companies often have lower prices on specific markets as compared to the big name companies such as .