Learn the Secrets to Lower Passaic, NJ Car Insurance

Finding better rates for Passaic car insurance can seem to be a challenge for people who are new to buying insurance online. People have so many options that it can quickly become a challenge to compare prices in Passaic.

It’s a good idea to take a look at other company’s rates before your policy renews since rates trend upward over time. If you had the lowest rates on your last policy the chances are good that you can find a lower rate today. You can find a lot of wrong information about car insurance on the web, but we’re going to give you some guaranteed methods to stop overpaying for insurance.

Vehicle Insurance Comparison

Finding a better price on car insurance can be quick and easy. You just have to take the time comparing rates from different insurance companies. This can be done in just a few minutes using one of these methods.

  1. The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do boring form submissions for each company. One simple form compares rates from all major companies. It’s the fastest way to compare.
  2. A more difficult way to compare rate quotes is to manually visit each company website to complete a price quote. For examples sake, we’ll pretend you want rates from Nationwide, Liberty Mutual and State Farm. To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in Passaic, click here.

  3. The most time-consuming method to compare rates is to spend your day driving to and from local Passaic insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you prefer the professional guidance of a local Passaic agent. Drivers can find lower rates online and still use a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverage limits for every quote you compare. If you enter differing limits it’s impossible to find the best deal in Passaic.

Cut your premium with discounts

Companies don’t list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • No Claims – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Sign Online – Certain companies may give you up to $50 for buying your policy on their website.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.

Auto insurance in Passaic

To choose providers with discount car insurance rates in New Jersey, click this link.

Additional car insurance links

More tips and info about car insurance can be read at the New Jersey Department of Banking and Insurance website. New Jersey drivers can download brochures, find disaster information, and file complaints about a company.