Top Ways to Save on Westville Auto Insurance

Expensive auto insurance can overdraw your savings account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. Online insurance companies like GEICO and Progressive increase brand awareness with ad campaigns and it is difficult to sift through the bull and find the best price available.

It's important to shop coverage around on a regular basis because prices are constantly changing. If you had the best rates a few years ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance on the web, but I'm going to show you some great ways to save money.

Policy discounts you shouldn't miss

Companies that sell car insurance do not list all their discounts in a way that's easy to find, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If you aren't receiving every discount you deserve, you're paying more than you need to.

Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
Own a Home - Owning a house in Westville can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
Drivers Ed for Students - Have your child complete a driver education course in high school.
Claim Free - Drivers who don't have accidents pay less as compared to bad drivers.
Memberships - Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.
Defensive Driving Course - Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

To see a list of companies with the best auto insurance discounts in Westville, click here to view.

Which Auto Insurance is Cheapest in Westville, New Jersey?

Finding cheaper auto insurance prices is surprisingly easy. Consumers just need to take the time comparing rates provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The best way to find low rates is a comparison rater form (click to open form in new window). This easy form prevents you from having to do separate quotes for each company. One form submission will return price quotes instantly.
A more difficult way to shop for auto insurance online consists of visiting the website for each individual company to complete their respective quote request forms. For instance, let's assume you want comparison quotes from , and . You would have to go to every website to enter your coverage information, which is why most consumers use the first method.

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

It's up to you which method you use, but ensure you are comparing exactly the same deductibles and coverage limits on every quote you get. If you use different values for each quote it will be impossible to determine which rate is truly the best in Westville.

Tips to Get Lower Westville Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

The more you drive the more you pay - The more you drive in a year's time the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance policy is rated on the correct driver usage.
Pay less if you're married - Getting married actually saves money on your policy. It translates into being more responsible and it's statistically proven that married drivers get in fewer accidents.
You might want pay the small claims yourself - Car insurance companies in New Jersey award cheaper rates to insureds who do not file claims often. If you file claims often, you can definitely plan on higher rates. Car insurance is designed for the bigger claims that can't be paid out-of-pocket.
Rates may be lower depending on your job - Jobs such as real estate brokers, business owners and dentists have the highest average rates attributed to high stress levels and long work hours. Other occupations like pilots, historians and the unemployed get better rates.
Liability coverage protects you - The liability section of your policy is the protection if ever a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
Extra coverages can waste money - There are a lot of add-on coverages that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.

Save $429 a year? Really?

New Jersey consumers can't get away from ads for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you move your coverage to them.

How can each company make almost identical claims?

Different companies have a preferred profile for the type of customer that is profitable for them. A good example of a desirable insured could possibly be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will have to pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which insurance companies will provide you with the cheapest rates.

A tidy conclusion

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at an affordable rate.

Cheap auto insurance is possible online as well as from independent agents in Westville, so you should be comparing quotes from both to have the best selection. Some auto insurance companies don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Even more information can be read at the New Jersey Department of Banking and Insurance website. New Jersey consumers can file complaints about an insurance agent or broker, get help finding coverage, download brochures, and read industry bulletins.