Auto Insurance in Kearny – 8 Ways to Lower Rates

Purchasing cheap Kearny auto insurance on the internet may be difficult for consumers not familiar with buying insurance online. With a ridiculous number of online companies available, how can Kearny drivers even start to compare every company to locate the best available price?

You should take the time to get comparison quotes before your policy renews because rates are constantly changing. If you had the lowest price on your last policy you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

This information will teach you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Although New Jersey vehicle owners do need to learn the way insurance companies market on the web and take advantage of how the system works.

How to Buy Kearny Auto Insurance Online

When shopping for auto insurance there are multiple ways of comparing rates from local in Kearny, New Jerseyauto insurance companies. The quickest method to find competitive insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The best way to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do multiple quote forms to each individual auto insurance company. In just a few minutes this one form gets rate comparisons from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A more time consuming way to get comparison quotes is going to the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want to compare rates from Nationwide, Geico and Liberty Mutual. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in Kearny, click here.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples information on every quote. If the quotes have different deductibles it will be very difficult to truly determine the lowest rate in Kearny. Quoting even small variations in coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing more company’s prices will increase your chances of finding a better price.

These eight discounts can slash auto insurance rates

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but a few must be manually applied prior to receiving the credit.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Own a Home – Owning a home in Kearny may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Passive Restraint Discount – Cars that have air bags can receive discounts of more than 20%.
  • No Accidents – Claim-free drivers pay less when compared to frequent claim filers.
  • 55 and Retired – Mature drivers can possibly qualify for a discount up to 10%.
  • Distant Student – Youth drivers who live away from home and do not have a car may qualify for this discount.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your overall premium however.

When might I need the advice of an agent?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Does my personal auto insurance policy cover using my vehicle for business use?
  • When should I remove comp and collision on my vehicle?
  • How much liability coverage do I need in New Jersey?
  • Is there coverage for injuries to my pets?
  • Does liability extend to a camper or trailer?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.Kearny New Jersey insurance ad

More information is available on the New Jersey Department of Banking and Insurance website through this link. Visitors are able to view agent and company licensing information, read consumer alerts, report car insurance fraud, and file complaints about an insurance agent or broker.

Also read more on this page for auto insurance prices in New Jersey and this link where you can get more info about Kearny coverage.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass, fire damage, hitting a bird and falling objects. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision insurance covers damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, crashing into a building, hitting a parking meter, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like ambulance fees, prosthetic devices, surgery, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage


Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, structural damage, funeral expenses, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. New Jersey state law requires minimum liability limits of 15,000/30,000/5,000 but it’s recommended drivers buy higher limits.

Kearny NJ insurance cheap

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (New Jersey limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

One last thing about your coverage

Cost effective auto insurance can be sourced online and also from your neighborhood Kearny agents, so you should compare both to have the best selection. Some auto insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

People switch companies for a variety of reasons including extreme rates for teen drivers, denial of a claim, delays in responding to claim requests and delays in paying claims. Regardless of your reason, choosing a new company is less work than it seems.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, someone dropped full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.