Proven Techniques to Save on Woodcliff Lake Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, many Woodcliff Lake consumers feel financially strained by their car insurance policy. Having so many insurance companies to choose from, it's nearly impossible to pick the right company.

Compare the Market for Car Insurance in Woodcliff Lake

Comparing car insurance rates can take hours if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to local insurance agents in Woodcliff Lake, or you can stay home and use online quotes to get the quickest rates.

The majority of car insurance companies enroll in a system that allows shoppers to submit one quote, and each company returns a competitive quote based on that data. This eliminates the need for quote forms for each company you want a rate for. To submit your quote information now, click to open in new window.

The one downside to comparing rates this way is that consumers can't choose the providers to get quotes from. So if you want to select individual companies to request quotes from, we put together a list of the cheapest car insurance companies in New Jersey. Click here for list of insurance companies in New Jersey.

Which method you use is up to you, but compare apples-to-apples coverages and limits on every quote you get. If you have different deductibles it will be very difficult to determine which rate is truly the best in Woodcliff Lake.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but a few need to be manually applied prior to getting the savings. If you don't get every credit possible, you're paying more than you need to.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Defensive Driver - Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Early Signing - Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Distant Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • No Charge for an Accident - Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurance companies offering car insurance discounts in New Jersey, follow this link.

Additional information can be found on the website for the New Jersey Department of Banking and Insurance. Click here for link. Visitors are able to read industry bulletins, discover disciplinary actions, file complaints about a company, and read consumer alerts.

Additional helpful sites include this online resource for car insurance quotes in New Jersey and this list of insurance agents in Woodcliff Lake.