New Techniques for Spending Less for on Camden, NJ Car Insurance

Sick and tired of trying to scrape together enough money to buy car insurance? You are no different than many other drivers in New Jersey. You have multiple insurance companies to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t always advertise every available discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Passive Restraints and Air Bags – Vehicles with factory air bags can receive discounts of 20% or more.
• Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
• Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
• Drive Less and Save – Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
• Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you’re out of luck.

When might I need an agent?

When choosing proper insurance coverage, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

• Am I covered if I wreck a rental car?
• Does liability extend to a camper or trailer?
• Does my insurance cover a custom paint job?
• What are the best liability limits?
• Why am I be forced to buy a membership to get insurance from some companies?
• Can my teen driver be rated on a liability-only vehicle?
• Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

What about my local Camden agents?

Certain consumers would prefer to buy from a local agent and that is a personal choice. Agents can answer important questions and give you someone to call. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to.

For easy comparison, once you complete this form (opens in new window), your coverage information is emailed to local insurance agents in Camden who will return price quotes for your business. There is no need to drive around due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!

Selecting a company shouldn’t rely on just the price. Any agent should be forthright in answering these questions:

• Are you getting all the discounts the company offers?
• Do they regularly work with personal auto policies?
• How long has their agency been in business in Camden?
• Are claims handled at the agent’s location?
• Is the agent and/or agency licensed to do business in New Jersey?
• How often do they review policy coverages?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Different types of Camden auto insurance agents

When researching a reputable insurance agent or broker, you must know there are a couple different agency structures to choose from. Insurance agencies in Camden can either be captive or independent (non-captive). Both types can properly insure your vehicles, but it’s worth mentioning the differences because it can impact your agent selection.

Agency Captives

This type of agents can only write with one company such as State Farm, AAA and Liberty Mutual. Captives cannot shop your coverage around so always compare other rates. Captives are trained well in insurance sales which helps them compete with independent agents.

Below is a list of captive insurance agencies in Camden that can give you comparison quotes.

Farmers Insurance Group – 1170 Haddon Ave – Camden, NJ 08103 – (856) 635-9201

Independent Agents (or Brokers)

Independent agents do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, it’s a good idea to get quotes from multiple independent agents to have the most options to choose from.

Listed below is a short list of independent agents in Camden that can give you rate quotes.

Irizarry Insurance – 3218 River Rd – Camden, NJ 08105 – (856) 963-2207
Mc Collum Insurance – 3034 Federal St – Camden, NJ 08105 – (856) 541-9777

To view a complete directory of licensed insurance agents in Camden, visit this link.

Upon getting satisfactory answers to these questions and an acceptable price quote, you may have just found an insurance agency that is a good match to provide car insurance coverage.

More tips and info about car insurance is available at the New Jersey Department of Banking and Insurance website. Consumers can download brochures, read consumer alerts, and discover disciplinary actions.

In Summary

Discount car insurance is definitely available from both online companies as well as from independent agents in Camden, so compare prices from both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We just showed you a lot of information how to shop for car insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with an unexpected company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or GEICO.