Getting Cheap Woodbine Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you you're not the only one.

You have so many to buy insurance from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

Finding affordable coverage in Woodbine is easy if you know what you're doing. If you currently have a car insurance policy, you should be able to save some money using this information. But New Jersey vehicle owners do need to know the way insurance companies compete online and take advantage of how the system works.

auto insurance in Woodbine

Comprehensive Woodbine Auto Insurance Comparison Quotes

The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The best method to find the lowest rates is to use the internet to compare rates. This can be done in a couple of different ways.

  • The recommended way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This form prevents you from having to do repetitive form submissions for each company you want a rate for. Completing one form will get you rate comparisons from multiple companies.
  • A less efficient way to shop for auto insurance online requires you to visit the website for every company you want to comare to request a price quote. For sake of this example, let's assume you want to compare rates from , and . To get each rate you have to spend time on each company's site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in Woodbine, click here.
  • The hardest method to get comparison rates is driving to and from local Woodbine insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the personal advice that only a license agent can provide. Drivers can get the lowest quotes online but buy from a local insurance agent and we'll touch on that later.

It's up to you how you get prices quotes, just compare identical coverage information for each price quote. If each company quotes unequal deductibles or liability limits then you won't be able to truly determine the lowest rate in Woodbine. Having just a slight variation in insurance coverages may result in large price differences. Just keep in mind that comparing more company's prices helps locate the best offered rates.

Policy discounts you shouldn't miss

Auto insurance companies don't list all available discounts very clearly, so here is a list some of the best known and also the lesser-known ways to save on auto insurance.

  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for better rates on cars that stay parked.
  • Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Student in College - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Discount - Owning a home in Woodbine may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Drivers Education - Have your child enroll in driver's education if it's offered in school.
  • Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Paperless Signup - A few companies give back up to $50 for buying a policy and signing up over the internet.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you may save at least 10% off all policies.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way.

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

Find out more about auto insurance

More detailed New Jersey auto insurance information is available at the New Jersey Department of Banking and Insurance website. New Jersey drivers can find disaster information, discover disciplinary actions, read enforcement actions against agents and companies, and get help finding coverage.