Lower Passaic, NJ Car Insurance Rates in Five Minutes

Have you had enough of being strong-armed to insure your vehicles every month? You are no different than millions of other consumers. There are many car insurance companies to buy insurance from, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to compare rates and cut insurance costs.

Comprehensive Passaic Car Insurance Comparison

Reducing your insurance rates can be surprisingly simple. The only thing you need to do is take a couple of minutes to compare quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing boring form submissions for each company. One simple form gets you coverage quotes direct from many companies.
  2. A different way to analyze rates consists of going to the website for each individual company and complete a new quote form. For sake of this example, we’ll assume you want rates from Farmers, Safeco and GMAC. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in Passaic, click here.

  3. The hardest method to compare rates is to spend your day driving to and from local insurance agencies. The internet makes this process obsolete unless you require the professional advice only provided by licensed agents. Drivers can comparison shop your insurance online and get advice from an agent in your area and we’ll touch on that later.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage information for every company. If your comparisons have different liability limits it will be impossible to determine the lowest rate in Passaic.

Slick advertising tricks that work

New Jersey drivers can’t get away from ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the ads have a common claim of big savings if you switch your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a preferred risk could possibly be between 30 and 50, has no prior claims, and has excellent credit. A customer who meets those qualifications is entitled to the best price and as a result will probably save quite a bit of money when switching.

Consumers who don’t meet the “perfect” profile will be quoted higher prices and ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make the claims of big savings. This emphasizes why you need to get quotes from several different companies. It’s impossible to know which car insurance company will fit your personal profile best.

Pay less by taking advantage of discounts

Companies offering auto insurance don’t list every available discount very well, so we break down both the well known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • No Accidents – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Distant Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

To choose insurers who offer car insurance discounts in New Jersey, click this link.New Jersey car insurance prices

Price shop online but buy from a local Passaic agent

Certain consumers just want to buy from a local agent and there is nothing wrong with that. Educated insurance agents can answer important questions and help in the event of a claim. One of the great benefits of comparing rates online is you may find the best rates but also keep your business local.

For easy comparison, once you complete this quick form, your insurance data is immediately sent to local insurance agents in Passaic who will battle for your business. You don’t have to leave your house due to the fact that quote results will go to your email. It doesn’t get any easier!

Picking an insurer requires more thought than just a cheap price. Here are some questions to ask:

  • Do they feel the quoted coverages are adequate?
  • Will your rates increase after a single accident?
  • Are they full-time agents?
  • Do they carry Errors and Omissions coverage?
  • How much can you save by raising your physical damage deductibles?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Are claims handled at the agent’s location?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

What types of auto insurance agents are in Passaic?

When finding local Passaic agents, there are a couple of types of insurance agents that you can select. Agents are categorized either independent (non-captive) or captive. Either one can insure your vehicles, but it’s important to know how they differ because it can influence your selection of an agent.

Captive Insurance Agents

Captive agencies can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. They usually cannot compare other company’s rates so they have no alternatives for high prices. These agents are well schooled on the products they sell which helps them compete with independent agents.

Independent Agents

These agents do not work for one specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When searching for an agent, it’s recommended you get quotes from multiple independent agents for maximum quote selection.

Below is a short list of independent insurance agents in Passaic willing to provide price quotes.

Diamond Insurance – 54 Main Ave – Passaic, NJ 07055 – (973) 473-1010
Chetty Agency – 737 Main Ave – Passaic, NJ 07055 – (973) 778-3135
M G Agency – 78 Market St – Passaic, NJ 07055 – (973) 365-0137
ASB Insurance Brokerage – – Passaic, NJ 7055 – (973) 779-3311
Falen Agency – 181 Prospect St – Passaic, NJ 07055 – (973) 473-5617

To view a complete directory of insurance agents in Passaic, please click here.

After getting positive feedback to any questions you have and a good coverage price, most likely you have located an auto insurance agent that can insure your vehicles.

New Jersey car insurance prices

Tailor your coverage to you

When choosing coverage, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Is New Jersey a no-fault state?
  • Does medical payments coverage apply to all occupants?
  • Do I need higher deductibles?
  • Do I really need UM/UIM coverage?
  • How do I file an SR-22 for a DUI in New Jersey?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are New Jersey no-fault laws?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Additional detailed information can be found at the New Jersey Department of Banking and Insurance website. Consumers can report car insurance fraud, view a list of available companies, file complaints about an insurance agent or broker, and find a variety of consumer forms.

Other informative sites include this page for car insurance in New Jersey and this list of insurance agents in Passaic, NJ.

And the best car insurance company is…

Cheaper car insurance can be found both online as well as from independent agents in Passaic, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

You just read a lot of ways to save on car insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a smaller regional carrier. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.