West New York Auto Insurance For Less Than You're Paying Now

Finding affordable West New York auto insurance on the web can be challenging for beginners to comparing rates online. With dozens of online companies, how can you even start to compare every one to find the lowest price available?

It's important to compare rates on a regular basis because prices are constantly changing. Even if you got the best price two years ago you may be paying too much now. Ignore everything you know about auto insurance because you're about to find out the tricks you need to know to reduce your cost while improving coverage.

How to Lower Your Auto Insurance Cost in West New York, New Jersey

There are several ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend your day talking to insurance agencies in West New York, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and each participating company then gives them pricing. This system prevents you from having to do quote forms to each individual auto insurance company.

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

One minor caviat to doing it this way is you are unable to specify which companies you want pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of auto insurance companies in New Jersey. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing exactly the same information for each price quote. If you are comparing higher or lower deductibles it's impossible to truly determine the lowest rate in West New York.

You have some control over your rates

It's important that you understand the rating factors that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

  • Being married can save on auto insurance - Having a spouse can get you a discount on your auto insurance policy. It means you're more mature and it's proven that married drivers get in fewer accidents.
  • Proper usage rating affects rates - Driving more miles in a year's time the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance coverage is rated on the proper vehicle usage.
  • High deductibles save money - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, damage from fire, or theft. Physical damage deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
  • Where you live - Residing in small towns and rural areas can be a good thing when insuring your vehicles. Less people living in that area translates into fewer accidents. City drivers regularly have much more traffic to deal with and longer commutes to work. Higher commute times means higher likelihood of an accident.
  • Careful drivers pay lower rates - Just one moving violation can boost insurance rates forty percent or more. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Do you have enough liability coverage? - Liability coverage is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

Be sure to get all your discounts

Companies don't list all their discounts in a way that's easy to find, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Sign Online - A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Accident Waiver - A handful of insurance companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
  • Discount for New Cars - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Accidents - Drivers who don't have accidents can save substantially as compared to frequent claim filers.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.

Keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn't work that way.

For a list of companies who offer auto insurance discounts in West New York, click this link.

Additional detailed information can be found at the New Jersey Department of Banking and Insurance website. New Jersey consumers can get help finding coverage, file complaints about an insurance agent or broker, and report car insurance fraud.

And the best car insurance company is...

Affordable auto insurance can be purchased online and also from your neighborhood West New York agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, it's a bad idea to reduce needed coverages to save money. In many cases, drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

You just read many ideas to lower your auto insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies.