Top 6 Ways to Pay Less on Car Insurance in Winslow

Consumers not familiar with buying insurance online will discover purchasing affordable Winslow car insurance to be a formidable task.

It's important to compare prices periodically since rates are constantly changing. Even if you think you had the lowest price a couple years back you can probably find a better price now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to quote online to buy cheaper car insurance.

Don't pay full price with these six discounts

Car insurance companies don't list all their discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find savings tricks you should be using.

Bundle and Save - If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of 20% or more.
Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Multiple Cars - Having all your vehicles with the same company qualifies for this discount.
Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Homeowners Savings - Owning a house in Winslow can help you save on car insurance because maintaining a house shows financial diligence.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To choose companies with discount car insurance rates in Winslow, click here to view.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make an identical promise about savings if you change to their company. How do they all make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the driver that makes them money. For instance, a desirable insured could be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay higher prices and ends up with business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the way they do. Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which company will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Every insured's situation is different.

Here are some questions about coverages that may help highlight whether or not you could use an agent's help.

What are the best liability limits?
Can I rate high risk drivers on liability-only vehicles?
Is my nanny covered when driving my vehicle?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Does my policy cover my teen driver if they drive my company car?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Additional New Jersey consumer information

Even more information is located at the New Jersey Department of Banking and Insurance website. Consumers can view agent and company licensing information, file complaints about a company, and find disaster information.

Affordable insurance is out there

As you go through the steps to switch your coverage, never buy poor coverage just to save money. In many instances, someone dropped liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to get the best coverage possible for the lowest price.

You just learned many tips how you can save on car insurance. It's most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a lesser-known regional company.

Cheap car insurance is attainable from both online companies and also from your neighborhood Winslow agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.