Learn How to Pay Less and Get More for Linden, NJ Auto Insurance

Have you fallen victim to high-priced auto insurance? Believe me when I say you’re not the only one.

Multiple auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company to discover the definitive best rate

It’s a good idea to shop coverage around periodically since insurance rates change regularly. Just because you had the lowest price two years ago a different company probably has better rates today. Starting now, block out anything you think you know about auto insurance because I’m going to teach you the only way to save money, get proper coverage and the best rates.

If you have car insurance now, you will most likely be able to save some money using this information. Buying car insurance in Linden is not rocket science. But New Jersey consumers can benefit from knowing the methods companies use to market insurance on the web and use this information to your advantage.

How to Compare Auto Insurance Quotes in Linden, New Jersey

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The best method to find competitive insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  • Probably the best way to get quotes is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate quotes for every auto insurance company. One simple form compares rates instantly.
  • A harder way to analyze rates requires visiting each individual company website to complete a price quote. For examples sake, we’ll assume you want to compare rates from Farmers, GEICO and Liberty Mutual. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in Linden, click here.
  • The most time-consuming method to compare rates is driving to and from local Linden insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you prefer the professional guidance only provided by licensed Linden agents. However, consumers can get the lowest quotes online and still use a local agent. We’ll cover that shortly.

Whichever method you choose, double check that you are using the exact same information on every quote. If each company quotes different liability limits it will be very difficult to find the best deal in Linden. Quoting even small variations in insurance coverages may result in a large different in cost. Keep in mind that comparing a large number of companies will enable you to find the best rates.

Don’t overlook these discounts

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Some trigger automatically when you get a quote, but some may not be applied and must be specially asked for before you get the savings.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down your premiums.

To choose companies who offer auto insurance discounts in New Jersey, follow this link.New Jersey car insurance prices

What happened to insurance agents?

Some people would rather sit down with an agent and that is OK! One of the best bonuses of price shopping on the web is that you can obtain lower rates but also keep your business local. Supporting local businesses is important particularly in Linden.

To help locate an agent, after submitting this simple form, your insurance coverage information gets sent to insurance agents in Linden who will battle to get your business. There is no reason to even leave your home due to the fact that quote results will go to the email address you provide. Now that’s easy! You’ll get the best rates and a licensed agent to work with.

The difference between Linden insurance agents

When finding a local agent, there are a couple of different types of agents to choose from. Linden agents are either captive or independent.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but rather can write business with any number of different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, you should always get quotes from at least one independent agent for the best price selection.

Below are independent agents in Linden that are able to give comparison quotes.

A W Warta Insurance Inc – 204 N Wood Ave – Linden, NJ 07036 – (908) 925-6166
Valvano Insurance – 16 W Elizabeth Ave # 1 – Linden, NJ 07036 – (908) 862-4047
Weiner’s Agency – 1203 W Saint Georges Ave # Ll – Linden, NJ 07036 – (908) 925-0666

Agency Captives

Captive agencies write business for a single company and examples are State Farm or Allstate. These agents are unable to provide prices from multiple companies so always compare other rates. Captive agencies are very knowledgeable on their company’s products which can be an advantage.

Picking an insurance agency requires more thought than just the bottom line cost. These questions are important to ask:

  • How long has their agency been open in Linden?
  • What insurance companies do they work with?
  • Do they feel the quoted coverages are adequate?
  • Do they carry Errors and Omissions coverage?
  • If you are a high risk driver, do they have special markets for your coverage?

Once you have received positive responses to your questions as well as a affordable price, you may have just found an insurance agency that will service your policy.

Linden NJ car insurance quote

Save Money with These Tips

It’s important that you understand the different types of things that go into determining auto insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.

Listed below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Allowing your policy to lapse raises rates – Letting your insurance expire will be a quick way to pay more for auto insurance. Not only will rates go up, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Bundling policies can get discounts – Most companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to make sure you are getting the best deal.
  • Performance level impacts rates – The performance of the vehicle you drive makes a significant difference in the rate you pay. The lowest rates tend to be for lower performance four cylinder passenger models, but other factors influence the final cost greatly.
  • Do you know your deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be a windshield shattered by a rock, collision with an animal, and burglary. The deductibles are the amount of money you are required to spend before a claim is paid by your company. The more you’re willing to pay, the less your company will charge you for insurance.

Better coverage you can count on

We just showed you a lot of ways to compare auto insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the most savings is with the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

Cheaper auto insurance is definitely available online in addition to many Linden insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

To learn even more about auto insurance

Much more information about auto insurance in New Jersey can be read on the website for the New Jersey Department of Banking and Insurance found here. Consumers can report car insurance fraud, read enforcement actions against agents and companies, and download brochures.