Cheapest Car Insurance?
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Cheapest Car Insurance?
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I want to renew my car insurance policy due in 2 weeks. I am currently paying 646$ for 6 months with Travellers NJ (just liability coverage). Do you think I can get a cheaper rate than that?. I just had drivers license for 11 months with no claims/accidents. What according to you is the best player in tha market in terms of providing lowest insurance premiums??
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Star Dust
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the way I do it is I wait till I am due for renewal then I shop around and when I find the cheapest quote I ask my insurers if they can match it, if they cannot then
I do not renew and go with the new guys.
If you check out a good comparison site you get to save much time as the site will provide quotes from all main insurers.
Here's some from my bookmarks:
http://www.moneysavecenter.com/index.html?id=9933
http://www.simplyinsurancequotes.com/car-insurance-quote.php
there's more in google |
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Insuranceman
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At least you CAN find options in NJ - at one point in time - it was pretty difficult to find auto insurance at a reasonable premium and folks were going over into PA just to find affordabale insurance!
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos or some with the NJAAA (New Jersey Auto Agents Alliance) and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps! |
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Shredder (not of paper)
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At this time, in my market, for my history, age, etc, my cheapest rate is with Geico.
This can change based on your location and a LOT more factors. For example, 5 years ago they were the highest! You're going to have to bite the bullet and shop around. Nearly all insurance co's have online quoting systems.
Do NOT rely on the sites that say they'll give you quotes from all the different companies, like Progressive, etc. They're not accurate. |
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