Car Insurance in Weehawken New Jersey - 5 Tricks to Save Money

Are you intimidated by the number of car insurance choices in Weehawken? You're not the only one! People have so many options that it can turn into a real hassle to compare prices.

Buying the lowest cost protection in Weehawken is simple if you know the tricks. If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. New Jersey vehicle owners just need to know the best way to get comparison rates over the internet.

Save big with these 5 discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you're not getting every credit possible, you are paying more than you should be.

  • No Claims - Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Auto/Life Discount - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • No Charge for an Accident - Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Save with a New Car - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.

Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

To choose insurance companies who offer car insurance discounts in New Jersey, click this link.

Car insurance ads bend the truth

Consumers in New Jersey can't ignore all the ads that promise big savings from companies such as Progressive, Allstate and GEICO. They all make the same claim that you'll save big after switching your policy.

How does each company claim to save you money?

Different companies are able to cherry pick for the right customer that makes them money. An example of a driver they prefer might be between the ages of 40 and 55, has no driving citations, and has a high credit rating. Any new insured who matches those parameters will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted higher prices which leads to the customer not buying. The ads say "customers that switch" not "people who quote" save that kind of money. That's the way companies can state the savings.

This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

Much more information about car insurance in New Jersey is available on the New Jersey Department of Banking and Insurance website located here. Visitors are able to read industry bulletins, report car insurance fraud, and file complaints about an insurance agent or broker.

In the end, you save

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, delays in paying claims or even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is easier than you think.

Budget-conscious car insurance can be purchased both online in addition to many Weehawken insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these smaller companies work with independent agents.

As you restructure your insurance plan, never buy poor coverage just to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.