9 Ways to Save on Car Insurance in West Windsor New Jersey

I can't think of anyone who likes having to buy car insurance, particularly when the price is too high.

Since consumers have many choices, it can be diffult for consumers to locate the cheapest insurance company.

Save big with these nine discounts

Insurance can be prohibitively expensive, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but some must be asked for in order for you to get them.

Driver Safety - Completing a defensive driving course can save you 5% or more if you qualify.
Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
Student in College - Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Auto/Life Discount - Some companies give a break if you buy a life insurance policy as well.
Homeowners Savings - Owning a home in West Windsor may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
Service Members Pay Less - Having a family member in the military may qualify for rate reductions.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.

It's important to note that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it's possible to get free car insurance, you're out of luck. But any discount will help reduce your overall premium however.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is unique so this has to be addressed. These are some specific questions may help highlight if your situation would benefit from professional advice.

Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in New Jersey?
What are New Jersey no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in New Jersey?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Car insurance ads bend the truth

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make the same claim that you can save after switching to their company. But how can every company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. An example of a profitable customer might be a mature driver, a clean driving record, and drives newer vehicles. Any new insured who matches those parameters will get very good rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile must pay more money which leads to the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. That is how insurance companies can claim big savings.

This illustrates why you should compare many company's rates. It's just too difficult to predict which company will give you the biggest savings.

More information is available on the website for the New Jersey Department of Banking and Insurance. Click here for link. Visitors are able to discover disciplinary actions, file complaints about a company, read enforcement actions against agents and companies, and find out industry alerts.

Also read more on this resource for New Jersey car insurance prices and this link which helps you find a West Windsor agent.

Final considerations

Lower-priced car insurance can be bought both online and also from your neighborhood West Windsor agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We just covered many ideas to reduce car insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the best price on car insurance is with a smaller regional carrier. Regional companies often have lower prices on specific markets than their larger competitors like .

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped liability limits or collision coverage only to find out that it was a big mistake. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.