8 Excellent Ways to Lower Auto Insurance Prices in Long Branch, NJ

Sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other New Jersey consumers. Insurance companies such as State Farm and Geico promote their brand names with ad campaigns and it can be hard to separate fact from fiction and do the work needed to find the best deal.

Comprehensive Long Branch Auto Insurance Comparison Quotes

There are several ways you can shop for auto insurance but some are more efficient than others. You can spend countless hours discussing policy coverages with agents in Long Branch, or you could use the internet to get pricing more quickly.

Most of the best insurance companies take part in a program where prospective buyers submit one quote, and at least one company then returns a price quote determined by their information. This eliminates the need for quotation requests for every auto insurance company.

To compare rates now click here (opens in new window).

The one downside to doing it this way is buyers cannot specifically choose the providers to get quotes from. If you prefer to choose individual companies to receive pricing from, we have a page of low cost auto insurance companies in New Jersey. Click here to view list.

However you get your quotes, double check that you are using identical information with each company. If you use mixed coverages it will be next to impossible to make a fair comparison in Long Branch.

Don’t believe everything you hear

Consumers in New Jersey constantly see and hear ads for cheaper car insurance by companies like State Farm, Allstate and Geico. All the companies have a common claim that you’ll save big if you change to them.

How do they all claim to save you money?

All the different companies are able to cherry pick for the type of driver they prefer to insure. For example, a desirable insured could be over the age of 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.<img class="alignright" style="padding-top:15px" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-13.jpg" alt="lower rates in Long Branch” />

Drivers who fall outside the requirements must pay a higher premium and this can result in business not being written. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do. This illustrates why drivers should get as many quotes as possible. It’s impossible to know the company that will give you the biggest savings.

Are you getting all your discounts?

Companies that sell car insurance do not list every discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known auto insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Safety Course Discount – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Low Mileage Discounts – Fewer annual miles could be rewarded with a substantially lower rate.

Consumers should know that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

For a list of companies with discount auto insurance rates in New Jersey, click here to view.

Quote online but still have a local agent

A small number of people would rather buy from a licensed agent and that is a personal choice. Licensed agents can help determine the best coverages and help you file claims. One of the great benefits of comparing rates online is you can get better rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), the quote information is transmitted to local insurance agents in Long Branch who will battle for your coverage. You don’t have to visit any agencies as quotes are delivered to the email address you provide. How cool is that?!

Picking a company needs to be determined by more than just a low price. Ask your prospective agent these questions:

  • Is the agency involved in supporting local community causes?
  • How long have they worked with personal auto insurance coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • If you have an accident, will your rates go up?
  • Which insurance companies are they affiliated with?
  • Which members of your family are coverage by the policy?

Below is a short list of auto insurance companies in Long Branch that can give you price quote information.

Prudential Insurance Co – 541 Broadway # 1, Long Branch, NJ 07740 – (732) 870-2200
Norwood Agency – 505 Broadway, Long Branch, NJ 07740 – (732) 222-2400

Upon receiving positive responses for all questions you ask and an acceptable price quote, you may have just found an insurer that can service your policy.

More tips and info about auto insurance is located at the New Jersey Department of Banking and Insurance website. Consumers can get help finding coverage, read industry bulletins, read state legal mandates and laws, and find out which companies have the most complaints.

Other informative sites include FindNewCarInsurance.com and this page of insurance agents in Long Branch.

Shop smart and save

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, an insured cut collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Lower-priced auto insurance is definitely available from both online companies as well as from independent agents in Long Branch, and you need to price shop both to have the best rate selection. Some companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.