Learn How to Pay Less for Union City, NJ Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Shopping your coverage around is a great way to slash your bill and have more diposable income.

Having so many insurance providers from which to choose, it can be impossible to find the lowest cost company.

It’s important to price shop coverage once or twice a year due to the fact that insurance rates go up and down regularly. Even if you got the lowest rates on your last policy the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because we’re going to show you the only way to reduce your cost while increasing coverage.

Vehicle Insurance Comparison

Performing a rate comparison can be a lot of work if you don’t know the most efficient way. You can waste hours talking about coverages with insurance companies in Union City, or you can utilize the web to achieve your goal.

Most of the larger companies take part in a program that enables customers to enter their policy data once, and each participating company can provide price quotes based on the submitted data. This eliminates the need for quote forms to each company.

To find out how much you can save on car insurance click here to open in new window.

The one downside to using this type of form is you cannot specify the companies you will receive quotes from. So if you want to choose specific insurance companies to receive pricing from, we have a page of low cost car insurance companies in New Jersey. Click to view list.

It doesn’t matter which method you choose, just compare apples-to-apples coverage information with every price quote. If you compare higher or lower deductibles it will be next to impossible to make an equal comparison in Union City. Slightly different limits can result in a big premium difference. Just keep in mind that comparing a large number of companies will enable you to find lower pricing.

Is there truth in advertising?

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies have a common claim of big savings if you change to them. How does each company make the same claim?

Different companies have a certain “appetite” for the type of driver that is profitable for them. An example of a preferred risk could possibly be over the age of 50, is a homeowner, and has a short commute. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save when switching.Union City NJ insurance ad

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ads state “customers that switch” not “people who quote” save that much. This is how companies can truthfully state the savings.

Because of the profiling, you absolutely need to get quotes from several different companies. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Save big with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specially asked for before they will apply.

  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less than less cautious drivers.
  • No Claims – Claim-free drivers pay less as compared to drivers who are more careless.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance from them.
  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Save over 55 – Older drivers can possibly qualify for a discount up to 10%.

It’s important to note that most credits do not apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will reduce your overall premium however.

For a list of insurance companies offering car insurance discounts in Union City, click here.

Comparing rates from local agents

Some people would rather buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to. Buying from small agencies is definitely important in Union City.

After completing this simple form, the coverage information is sent to agents in your area who will battle to get your business. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! You’ll get the best rates AND an agent nearby.

Below are Union City insurance companies that may be willing to give price quotes.

New View Insurance & Realty – 510 39th St # 1, Union City, NJ 07087 – (201) 867-9040
Viva Agency – 418 35th St, Union City, NJ 07087 – (201) 271-1133
Ageso Insurance – 2414 Bergenline Ave, Union City, NJ 07087 – (201) 867-3895

Deciding on an insurance company shouldn’t rely on just the premium amount. Some important questions to ask are:

  • Does the agency provide any after hours assistance?
  • Are they able to influence company decisions when a claim is filed?
  • Did they already check your driving record and credit reports?
  • Are they full-time agents?
  • How much will you save each year by using a higher deductible?

After receiving positive feedback to all your questions as well as a affordable price, you’ve probably found an insurer that is a good match to adequately provide car insurance.

Union City NJ insurance ad

It’s not one size fits all

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • When should I drop full coverage on my vehicle?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Am I covered when using my vehicle for business?
  • Should I buy more coverage than the required New Jersey minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Does coverage extend to a rental car in a foreign country?
  • If my vehicle is totaled, can I afford another vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Additional car insurance information can be found on the website for the New Jersey Department of Banking and Insurance through this link. Consumers can download brochures, view agent and company licensing information, read enforcement actions against agents and companies, and read state legal mandates and laws.

In the end, you save

We just presented some good ideas how you can reduce car insurance prices online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the lowest rates come from the smaller companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

When you buy insurance online, do not skimp on coverage in order to save money. In too many instances, an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Cheaper car insurance is attainable on the web in addition to many Union City insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide online price quotes and these small, regional companies work with independent agents.