Insider Methods for Cheap Clifton Car Insurance

Paying for high-priced car insurance can overdraw your checking account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances.

Multiple car insurance companies compete for your business, and it can be difficult to compare rates to find the lowest rate possible.

It’s important to check car insurance prices quite often since insurance rates change quite often. Just because you had the lowest price a few years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance on the internet, so I’m going to show you some guaranteed methods to reduce your car insurance bill.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Finding the best rates in Clifton is not that difficult. Nevertheless, New Jersey car owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Free Clifton Car Insurance Quotes

Most major insurance companies like State Farm, Allstate and GEICO give price estimates on their websites. This process doesn’t take much effort as you just type in your coverage preferences as requested by the quote form. Upon sending the form, the system obtains credit information and your driving record and quotes a price based on these and other factors. This simplifies rate comparisons, but the time it takes to visit different websites and type in the same information is monotonous and tiresome. But it’s very important to compare as many rates as possible in order to find the lowest price.

Isn’t there an easier way to compare rates?

The easiest way to get multiple rate quotes makes use of a single form to return rates from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending the form, it is rated with multiple companies and you can pick any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

To compare rates now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you copy the limits and deductibles identical to your current policy. This makes sure you will have comparison quotes for exact coverage.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Some discounts apply automatically when you get a quote, but some may not be applied and must be asked about in order for you to get them.

  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Resident Student – Youth drivers who live away from home and do not have a car can receive lower rates.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Passive Restraints – Cars that have air bags can qualify for discounts up to 30%.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.

It’s important to note that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get big savings.Clifton insurance cheap

  • Is your vehicle built for speed? – The make and model of the car you own makes a big difference in how high your rates are. Economy passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.
  • Liability insurance protects assets – Liability insurance provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. They both are in accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
  • Your stress level may be raising your rates – Did you know your car insurance rates can be affected by your occupation? Occupations like judges, architects and stock brokers have the highest rates attributed to job stress and long work days. On the other hand, occupations like actors, students and performers get better rates.
  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • How your age affects price – Older drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers tend to get distracted easily behind the wheel therefore car insurance rates are much higher.
  • How credit affects car insurance rates – Having a bad credit score is a important factor in your rate calculation. So if your credit is lower than you’d like, you could potentially save money when insuring your by improving your credit score. People with high credit scores tend to be more responsible than those with poor credit.
  • Keep rates low by being claim-free – Car insurance companies in New Jersey provide lower rates to drivers who are claim-free. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.

Don’t I need to talk to an agent?

Some consumers just want to get advice from a local agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is you can get the lowest rates but also keep your business local. Supporting small agencies is important particularly in Clifton.

By using this short form, your insurance data is submitted to companies in Clifton who will give you bids for your business. You won’t need to drive around since price quotes are sent to your email. It doesn’t get any easier! You can find better rates without the usual hassles of price shopping.

Pick the best insurance agency in Clifton for you

When searching for a local agent, there are a couple of types of insurance agents to choose from. Clifton agents can either be captive or independent.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.

When shopping rates, it’s a good idea to contact at a minimum one independent agency to get the best comparison.

The following are independent agents in Clifton who can help you get price quote information.

Rca Insurance Group – 1333 Broad St – Clifton, NJ 07013 – (973) 472-8600
Cresent Agency – 997 Main Ave – Clifton, NJ 07011 – (973) 773-5880
Petrie Insurance Svc – 50 Mount Prospect Ave – Clifton, NJ 07013 – (973) 778-8535
Egatz Agency Inc – 1058 Clifton Ave – Clifton, NJ 07013 – (973) 773-0436
J Thomas Agency – 777 Passaic Ave – Clifton, NJ 07012 – (973) 773-7014

Captive Insurance Agents

Captive agencies write business for a single company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents are trained well in insurance sales and that can be a competitive advantage.

Below is a list of captive insurance agents in Clifton that can give you comparison quotes.

State Farm Insurance – 178 Lakeview Ave – Clifton, NJ 07011 – (973) 478-9500

For a complete listing of captive agents in Clifton, go to this page.

Deciding on a car insurance agent needs to be determined by more than just a cheap price. These are valid questions to ask:

Car insurance in Clifton New Jersey

  • Do the companies they represent have a solid financial rating?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is the agent and/or agency licensed to do business in New Jersey?
  • Is the agency involved in supporting local community causes?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Did they already check your driving record and credit reports?

After receiving positive feedback to your questions and locked in a price quote, chances are good that you have found an insurance agent that meets your needs to insure your vehicles.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • What can I do if my company won’t pay a claim?
  • What are the financial responsibility laws in New Jersey?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How high should my uninsured/underinsured coverage be in New Jersey?
  • How much liability do I need to cover my assets?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my custom paint covered by insurance?
  • Does my insurance cover my expensive audio equipment?
  • When should I drop full coverage on my vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Much more information about car insurance in New Jersey is available on the website for the New Jersey Department of Banking and Insurance located here. New Jersey consumers can view agent and company licensing information, learn about insurance regulations, and view a list of available companies.

Other useful links include this Car Insurance FAQ and this list of agents in Clifton, NJ.

More effort can pay off

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed collision coverage and learned later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Lower-priced car insurance is attainable on the web and with local Clifton insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

You just learned a lot of tips how to get a better price on car insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.