Never Quote Vineland, NJ Car Insurance Without Knowing These Money Saving Methods

Price shopping your Vineland car insurance is nearly impossible for consumers new to comparison shopping online. You have so many companies to choose from that it can quickly become a big hassle to locate the lowest price in Vineland.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. This article will introduce you to the best way to quote coverages and some money-saving tips. Nevertheless, New Jersey consumers need to have an understanding of the way insurance companies sell online.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in better car insurance rates.

Shown below are a partial list of the pieces used by your company to calculate premiums.

  • A lapse in coverage is a bad thing – Driving with no insurance is illegal and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Your location affects your rates – Choosing to live in less populated areas has it’s advantages when insuring your vehicles. Drivers who live in large cities have congested traffic and longer commutes to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. Men and women cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.
  • How your age affects price – Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers tend to be more careless when behind the wheel and because of this, their car insurance rates are much higher.

How to Compare Car Insurance Quotes in Vineland, NJ

There are several ways of comparing rates from different in Vineland, NJinsurance companies. The easiest way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

One of the simplest ways to find low rates would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing separate quote forms to each individual car insurance company. In just a few minutes this one form gets you price quotes from multiple low-cost companies. This is by far the quickest method.

A slightly less efficient method to obtain and compare quotes online requires visiting each company website to complete a price quote. For example, we’ll assume you want to compare GEICO, Esurance and Progressive. You would have to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Vineland, click here.

The least efficient method to compare rates is to waste gas driving to different Vineland agent offices. The internet eliminates the need for an insurance agent unless you want the professional advice that only a license agent can provide. Drivers can price shop your coverage online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but make darn sure you compare identical coverage limits and deductibles with each company. If the quotes have different values for each quote it will be very difficult to find the best deal in Vineland. Slightly different coverages can make a big difference in price. Just remember that quoting more will enable you to find a lower rate.

Save $402 a year? Really?

Car insurance companies such as Allstate, GEICO and Progressive consistently run ads on TV and radio. They all seem to have a common claim of big savings if you change your policy. How do they all make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. For example, a preferred risk could possibly be over the age of 50, has no prior claims, and has excellent credit. Any driver who matches those parameters will get very good rates and as a result will probably save when switching.

Consumers who do not match the requirements must pay higher premiums which usually ends up with the customer not buying. The ads state “drivers who switch” not “people who quote” save that much money. That is how insurance companies can claim big savings.Vineland New Jersey insurance quotes

This illustrates why you absolutely need to compare as many rates as you can. Because you never know which car insurance company will provide you with the cheapest rates.

These discounts can lower your rates

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but some must be specifically requested prior to getting the savings.

  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy on their website.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates when shopping for car insurance.
  • Claim Free – Claim-free drivers can earn big discounts as compared to bad drivers.
  • Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

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

But I want to work with a local agent

Some consumers prefer to buy from a local agent. One of the great benefits of comparing insurance prices online is you may find lower rates but still work with a licensed agent. And providing support for small agencies is especially important in Vineland.

To make it easy to find an agent, after completing this simple form, your information is submitted to companies in Vineland who will return price quotes for your coverage. You won’t need to even leave your home due to the fact that quote results will go to the email address you provide. How cool is that?! You can find the lowest rates and a licensed agent to work with.

Different types of auto insurance agents in Vineland

If you’re trying to find a reputable insurance agent or broker, there are two types of agencies that differ in how they can insure your vehicles. Vineland agents are categorized either independent or captive.

Independent Agents (or Brokers)

These agents are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When searching for an agent, it’s a good idea to include price quotes from several independent insurance agents for the best price selection. They often place coverage with smaller companies who may have lower rates.

Below are Vineland independent insurance agencies who may be able to give you competitive price quotes.

  • Dondero and Shaffer Insurance – 3480 Menantico Rd – Vineland, NJ 08361 – (856) 692-0539
  • Prudential Insurance Co – 3676 E Landis Ave – Vineland, NJ 08361 – (856) 696-2890
Captive Insurance Agents

Captive agents are contracted to one company and examples are State Farm, Allstate and AAA. They are unable to place coverage with different providers so keep that in mind. They are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives partially due to loyalty to the company and strong financial ratings.

Listed below is a list of captive insurance agencies in Vineland that are able to give comparison quotes.

  • Allstate Insurance Co – 1181 E Landis Ave # 4 – Vineland, NJ 08360 – (856) 205-1154
  • State Farm Insurance – 3471 S Delsea Dr – Vineland, NJ 08360 – (856) 825-7100

To view a full list of captive agencies in Vineland, please view this page.

Vineland New Jersey insurance quotes

Picking an insurance agent should depend on more than just the premium amount. These questions are important to ask:

  • How long have they worked with personal auto insurance coverage?
  • Do they specialize in personal lines coverage?
  • How much will you save each year by using a higher deductible?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Will your rates increase after a single accident?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Can they provide you with a list of referrals?

Once you have positive feedback and a good coverage price, you’ve probably found an insurance agency that can properly insure your vehicles.

Additional car insurance information is available on the New Jersey Department of Banking and Insurance website found here. Visitors are able to get help finding coverage, find out industry alerts, read consumer alerts, and find a variety of consumer forms.

Keep this in mind

The cheapest car insurance can be found both online and also from your neighborhood Vineland agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and most of the time these smaller companies sell through independent agents.

When you buy insurance online, do not buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage and learned later that it was a big error on their part. Your focus should be to buy the best coverage you can find at an affordable rate.

People leave their current company for many reasons like being labeled a high risk driver, delays in paying claims, high rates after DUI convictions or even high prices. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.