Proven Ways for Getting Cheap Camden, NJ Car Insurance

Overwhelmed by the sheer number of car insurance choices in Camden? Lot’s of other consumers are too. Drivers have so many choices that it can be a real challenge to find the lowest price.

It’s a great practice to check car insurance prices before your policy renews since insurance rates are usually higher with each renewal. Despite the fact that you may have had the best rates a couple years back other companies may now be cheaper. So block out anything you think you know about car insurance because we’re going to show you how to quote online to remove unneeded coverages and save money.

How to Compare Car Insurance in Camden, New Jersey

The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to find the cheapest insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

  1. The fastest way to find low rates is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating repetitive form submissions for every car insurance company. One form submission will return price quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. A harder way to compare prices requires a trip to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want rates from State Farm, Farmers and GMAC. To find out each rate you need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in Camden, click here.
  3. The hardest method of getting rate comparisons is driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the personal advice that only a license agent can provide. It is possible to obtain prices from the web and get advice from an agent in your area. We’ll cover that shortly.

It doesn’t matter which method you choose, just make absolute certain that you use identical deductibles and coverage limits on every quote. If each company quotes unequal deductibles or liability limits you will not be able to determine the best price in Camden. Quoting even small variations in insurance coverages may result in a large different in cost. Keep in mind that comparing more company’s prices will improve the odds of getting a lower rate.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Certain discounts will be applied when you purchase, but lesser-known reductions have to be asked about before you get the savings.

  • Life Insurance Discount – Larger companies have better rates if you take out life insurance from them.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accident claims.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will cut your overall premium however.

Camden insurance ad

For a list of providers offering car insurance discounts in Camden, click this link.

Some additional reading

More information is available on the New Jersey Department of Banking and Insurance website found here. New Jersey drivers can file complaints about a company, find out industry alerts, and download brochures.