Car Insurance in Westampton - 9 Ways to Save Money

I can't think of a single person who looks forward to buying car insurance, particularly when the cost is way too high.

Drivers have so many to buy insurance from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices occasionally since rates are constantly changing. Even if you got the best price a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to find great coverage at a great price.

Westampton car insurance quote

Automobile Insurance Quotes in Westampton, NJ

The are a couple different ways to get quotes from different Westampton insurance companies. The best method to compare insurance prices consists of shopping online. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form saves time by eliminating repetitive form submissions for every car insurance company. A single form gets rate comparisons from multiple companies.
  • A more time consuming way to shop for car insurance online is spending the time to visit the website for each individual company to complete a price quote. For example, we'll assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Westampton, click here.

It's up to you how you get prices quotes, just make absolute certain that you use identical information with each company. If you have higher or lower deductibles it will be next to impossible to make an equal comparison in Westampton. Having just a slight variation in coverages can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies helps locate the best price.

Policy discounts you shouldn't miss

Companies don't list every available discount very clearly, so we took the time to find both the well known and the more hidden ways to save on car insurance.

  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Memberships - Being a member of a qualifying organization could trigger savings on your policy.
  • Payment Method - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Driver Safety - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous.

To see a list of providers who offer car insurance discounts in New Jersey, click this link.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions might point out whether your personal situation might need professional guidance.

  • 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 happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Even more information can be found at the New Jersey Department of Banking and Insurance website. Visitors are able to find out industry alerts, view agent and company licensing information, file complaints about an insurance agent or broker, and find out which companies have the most complaints.