Is Your Vineland New Jersey Auto Insurance Too High? Learn How to Lower Your Rates

If you’ve never shopped for auto insurance online, you may be confused by the hoards of auto insurance companies competing for business in Vineland.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Shopping for affordable coverage in Vineland is quite easy. Nevertheless, New Jersey consumers must understand the methods companies use to sell insurance online and apply this information to your search.

Verify you’re getting all your discounts

Companies don’t always publicize all available discounts very clearly, so the following is a list of both the well known and also the lesser-known ways to save on auto insurance.

  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance.
  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiring. This can save 10% or more.
  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Paperless Signup – Certain companies give back up to $50 simply for signing digitally online.
  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.

Consumers should know that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way.

Your coverage should be tailored to you

When it comes to choosing adequate coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I crash into my own garage door?
  • Do I need rental car coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I rate my vehicle as pleasure use or commute?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

But I prefer to buy car insurance from an agent

Some consumers would rather sit down with an agent. The biggest benefit of price shopping on the web is you can get the lowest rates but also keep your business local.

By using this simple form, your insurance data is instantly submitted to participating agents in Vineland who will compete to get your business. You won’t need to visit any agencies since price quotes are sent straight to your inbox. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.<img class="alignright" style="padding-top:15px" src="" alt="Vineland car insurance prices” />

Selecting a company should depend on more than just the bottom line cost. These questions are important to ask:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Which insurance companies are they affiliated with?
  • How much will you save each year by using a higher deductible?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Which members of your family are coverage by the policy?
  • Does the agency have a good rating with the Better Business Bureau?

Pick the best car insurance agent in Vineland for you

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents are categorized either captive or independent (non-captive).

Captive Agents

These agents work for only one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot place coverage with different providers so keep that in mind. They are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers often buy insurance from these agents partially due to high brand loyalty and strong financial ratings.

Below is a list of captive agencies in Vineland who may provide you with rate 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
Independent Agencies or Brokers

Independent agencies are not required to write business for one company but rather can write business with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

When comparison shopping, it’s a good idea to include several independent insurance agents to get the best comparison. Many write coverage with smaller regional carriers which may provide better rates.

Listed below is a short list of independent agents in Vineland that are able to give comparison quotes.

  • Ruiz-Mesa Insurance – 720 E Landis Ave – Vineland, NJ 08360 – (856) 696-1698
  • Jenkins Insurance – – Vineland, NJ 8360 – (856) 691-1551

To view a complete directory of insurance agents in Vineland, go to this page.

Upon receiving acceptable answers to any questions you have and a low price estimate, most likely you have located an auto insurance agent that meets your needs to insure your vehicles.

compare rates in New Jersey

Additional detailed information is available at the New Jersey Department of Banking and Insurance website. Consumers can view a list of available companies, learn about insurance regulations, and read industry bulletins.

Other informative sites include this online resource for free quotes in New Jersey and this page for help finding agents in Vineland, NJ.

One last thing about your coverage

We covered a lot of ways to compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with a small mutual company.

Affordable auto insurance is possible from both online companies and also from your neighborhood Vineland agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, high prices, policy non-renewal or even poor customer service. It doesn’t matter what your reason, finding a new auto insurance company can be pretty painless.