Rock Solid Methods for Buying Low-Cost Passaic, NJ Auto Insurance

Paying for high-priced auto insurance can empty your personal savings and force you to make sacrifices. Shopping your coverage around is a great way to slash your bill and have more diposable income.

Popular companies such as Allstate and Progressive persitently shower you with advertising and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

It’s important to compare prices once or twice a year because insurance rates are constantly changing. Just because you had the lowest rates last year there may be better deals available now. There is a lot of wrong information about auto insurance on the internet, so we’re going to give you the best ways to slash your auto insurance rates.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Buying car insurance in Passaic is quite easy. But New Jersey consumers can benefit by having an understanding of how insurance companies sell insurance online and apply this information to your search.

Lower the Price of Insurance with These Tips

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

  • Your location affects your rates – Living in less populated areas is a positive aspect when insuring your vehicles. Fewer people means reduced accidents and also fewer theft and vandalism claims. Urban drivers regularly have more traffic problems and much longer commute distances. Higher commute times means more change of being in an accident.
  • Better credit scores mean better rates – Having a bad credit history is a large factor in calculating your auto insurance rates. If your credit score is not that good, you could pay less to insure your by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • Poor driving leads to higher costs – Even a single ticket can boost insurance rates twenty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Marriage pays dividends – Having a wife or husband helps lower the price on your auto insurance policy. Having a spouse means you’re more mature and responsible and it’s statistically proven that being married results in fewer claims.

Fast and Easy Passaic Auto Insurance Quotes

Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way to do it. You could waste a few hours talking to insurance companies in Passaic, or you could use the web for quick rates.

Most of the larger companies belong to an insurance system where insurance shoppers submit one quote, and every company then returns a price quote for coverage. This system prevents you from having to do form submissions to each individual auto insurance company.

To compare rates using this form now click here to start a free quote.

One minor caviat to getting quotes like this is buyers cannot specifically choose which carriers you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have a listing of low cost auto insurance companies in New Jersey. Click here for list of insurance companies in New Jersey.

However you get your quotes, ensure you are comparing the exact same quote information with each company. If you have different liability limits it will be impossible to determine the best price in Passaic. Slightly different limits can result in a big premium difference. And when quoting auto insurance, remember that obtaining a wide range of quotes will improve the odds of getting a better price.

Save $446 a year? Really?

GEICO, State Farm and Progressive consistently run ads on TV and radio. All the companies have a common claim that you’ll save big if you change your coverage to them. How do they all make the same claim? This is how they do it.<img class="alignright" style="padding-top:15px;" src="" alt="Passaic NJ car insurance prices“/>

All the different companies have a preferred profile for the driver that makes them money. A good example of a desirable insured could possibly be between the ages of 30 and 50, owns a home, and has great credit. A propective insured who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.

Drivers who fall outside the “perfect” profile will have to pay higher rates and ends up with the customer not buying. The ads state “customers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, you absolutely need to get as many quotes as possible. It’s impossible to know which insurance companies will have the lowest rates.

Discounts can save BIG

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but less common discounts must be requested specifically before you get the savings.

  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Homeowners Discount – Simply owning a home may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Memberships – Participating in a civic or occupational organization is a good way to get lower rates on your policy.

Keep in mind that most discounts do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will help reduce the amount you have to pay.

Shop online but buy locally

Some people would prefer to visit with an insurance agent. The best thing about price shopping on the web is that you can obtain the best rates but still work with a licensed agent. And supporting local agencies is important especially in Passaic.

To help locate an agent, after submitting this quick form, the quote information gets sent to companies in Passaic who will compete for your insurance coverage. You won’t need to even leave your home due to the fact that quote results will go to your email. How’s that for easy! It’s the lowest rates and a licensed agent to work with.

Captive and independent Passaic insurance agents

When looking for a local agent, there are a couple of types of insurance agents from which to choose. Agencies in Passaic are categorized either captive or independent.

Independent Agents

Independent agencies do not work for one specific company but rather can write business with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When comparison shopping, you should always get quotes from multiple independent agents to have the most options to choose from.

Shown below are independent insurance agencies in Passaic who can help you get pricing information.

Diamond Insurance – 54 Main Ave – Passaic, NJ 07055 – (973) 473-1010
Chetty Agency – 737 Main Ave – Passaic, NJ 07055 – (973) 778-3135
Falen Agency – 181 Prospect St – Passaic, NJ 07055 – (973) 473-5617
M G Agency – 78 Market St – Passaic, NJ 07055 – (973) 365-0137
ASB Insurance Brokerage – – Passaic, NJ 7055 – (973) 779-3311

Passaic NJ car insurance prices

Captive Insurance Agents

Captive agencies have only one company to place business with and examples are State Farm, Allstate and AAA. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are trained well in insurance sales and that can be a competitive advantage.

Deciding on an insurance agency should depend on more than just the premium amount. These questions are important to ask:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • How often do they review policy coverages?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do the companies they represent have a solid financial rating?
  • What is the agency’s Better Business Bureau rating?
  • Do they specialize in personal lines coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • What will you get paid if your car is a total loss? How is that amount determined?

Upon getting good answers to these questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that can properly insure your vehicles.

Additional information can be found on the website for the New Jersey Department of Banking and Insurance. Click here for link. New Jersey drivers can read enforcement actions against agents and companies, find out industry alerts, and find out which companies have the most complaints.

In Summary

In this article, we covered quite a bit of information on how to shop for auto insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the best prices are with a small mutual company. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.

Cheap auto insurance is available both online and with local Passaic insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.