It’s safe to conclude that insurance companies want to keep your business as long as possible. Drivers who compare rates once a year are very likely to buy a different policy because there is a great chance of finding a more affordable policy. Remarkably, a study showed that consumers who compared prices once a year saved $72 a month compared to other drivers who never shopped around for lower prices.
If finding the best price on insurance in Newark is the reason for your visit, then learning about how to choose a company and compare coverages can make it easier for you to save money.
The recommended way to find lower priced Mazda 2 insurance is to start comparing prices regularly from different companies who provide car insurance in Newark. Drivers can shop around by completing these steps.
Step 1: Try to understand what coverages are included in your policy and the changes you can make to drop your rates. Many rating factors that drive up the price such as traffic citations, accidents, and an unacceptable credit rating can be rectified by making small lifestyle or driving habit changes.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices for a wide range of companies.
Step 3: Compare the new rate quotes to your current policy to determine if you can save on 2 insurance. If you can save some money and change companies, ensure coverage does not lapse between policies.
One piece of advice is to use similar coverage information on each quote and and to look at all possible companies. This ensures an apples-to-apples comparison and plenty of rates choose from.
Finding the cheapest coverage in Newark is actually very simple if you learn how to start. If you already have coverage or just want cheaper coverage, use these tips to reduce the price you pay without having to cut coverage. Smart buyers just need to use the most efficient way to quote multiple rates from multiple carriers.
The companies in the list below offer free quotes in New Jersey. To buy the best cheap car insurance in Newark, we recommend you visit two to three different companies to find the most competitive car insurance rates.
You may need specialized car insurance coverage
When quoting and comparing the best car insurance coverage, there is no one size fits all plan. You are unique.
For example, these questions can aid in determining whether or not you would benefit from professional advice.
- Is pet coverage available?
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered if I have no license?
- Does my policy cover me when driving someone else’s vehicle?
- Are combined or split liability limits better?
- How high should my uninsured/underinsured coverage be in New Jersey?
- Should I buy full coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Should I buy more coverage than the required New Jersey minimum liability coverage?
- When can I cancel my policy?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.
Get rate quotes but still have a local Newark insurance agent
A lot of people would rather sit down and talk to an agent and that can be a great decision Professional insurance agents will help you protect your assets and help submit paperwork. A nice benefit of getting online price quotes is that you can find lower rates but also keep your business local.
By using this short form, your information is sent to participating agents in Newark who can give free rate quotes and help you find cheaper coverage. There is no reason to visit any agencies because quoted prices will be sent to you instantly. If you wish to compare prices from a specific insurance provider, don’t hesitate to navigate to their website and give them your coverage information.
Selecting an provider is decision based upon more than just the price. Ask your prospective agent these questions:
- When do they do policy reviews?
- What is their Better Business Bureau rating?
- Which insurance companies are they affiliated with?
- Is the agency active in community causes in Newark?
- Is auto insurance their primary focus in Newark?
- Will the quote change when the policy is issued?
- Is the agent properly licensed in New Jersey?
- Do they make recommendations based only on price?
If you would like to find local Newark agents, there are two types of insurance agents and how they operate. Insurance agents are either independent agents or exclusive agents. Either can do a good job, but it’s worth mentioning the difference between them since it can impact which type of agent you select.
Agents in the exclusive channel write business for a single company like American Family, State Farm, and AAA. These agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually well trained on the products they sell which aids in selling service over price. Many people buy from exclusive agents partially due to the brand name instead of buying on price only.
The following is a list of exclusive insurance agents in Newark that can give you price quote information.
- State Farm: Zanetta Glover
570 Broad St #114 – Newark, NJ 07102 – (973) 648-0699 – View Map
- Allstate Insurance: Celia Caro
66 Wilson Ave – Newark, NJ 07105 – (973) 690-6400 – View Map
- Farmers Insurance – Anthony Pugliese
41 Wilson Ave – Newark, NJ 07105 – (973) 732-2105 – View Map
Independent insurance agents are not locked into one company and that is an advantage because they can write policies with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, they can switch companies in-house which makes it simple for you. If you are trying to find cheaper rates, you absolutely need to get several quotes from independent agents for maximum quote selection. Most independent agents also contract with smaller mutual companies which may have better rates.
The following is a short list of independent insurance agencies in Newark that can give you price quote information.
- Newark Cheaper Auto Insurance
11 Mulberry St – Newark, NJ 07102 – (206) 337-9544 – View Map
- Abbott/Milano Insurance Agency
9 Frank E Rodgers Blvd S – Harrison, NJ 07029 – (973) 350-9999 – View Map
- Knight Insurance Consulting Group
454 Washington St – Newark, NJ 07102 – (973) 704-1024 – View Map
Best auto insurance in Newark
Selecting a good quality auto insurance company can be difficult considering how many choices drivers have in New Jersey. The company ratings in the lists below may help you choose which insurers to look at purchasing from.
Top 10 Newark Car Insurance Companies Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- State Farm
- American Family