The car owners who are least able to afford high auto insurance rates are getting charged the most for coverage..."
Newark, NJ (PRWEB) February 14, 2012
For the average US drivers, it is a very rare occurrence that they are going to receive a courtesy call from their auto insurer telling them they qualify for a better deal. Yet most fail to review their policies or contracts each year to make sure they're getting the lowest rates possible. Fortunately, research from an auto insurance comparison site outlines a strategy that makes cheap New Jersey car insurance is possible.
While reports from CNN and Time show overcharging and discrimination from insurers, there are a few criteria that can easily qualify New Jersey drivers for quick discounts. For example, driving less than 25 miles per day, or having no car accidents over the last 12 months, and no DWI/DUI record, likely qualifies most drivers for many hidden discounts on their car insurance bill. The problem, as Robert Hunter of Consumer Federation of America describes it, is that "insurers aren't required to let you know when you're eligible for a lower rate...so it is very difficult to be sure that you have the best price."
An interesting fact New Jersey drivers should know is that most times it is quite easy for one insurer to be half the price of another, even in the same group of insurers. But obviously, auto insurers would like to keep that secret so policy holders keep paying the highest premium possible. Finding the best auto insurance deal can be easy with a few guidelines from this tipsheet:
1) Compare New Jersey auto insurance quotes across multiple insurers who will try to compete and offer users their best deals right away.
2) Calling the present insurer and asking for a better deal than the best quote received from any comparison search.
3) Call the other car insurers and ask if they can match or beat the deal just offered.
4) Consumers should specifically ask their insurer - not the agent - whether they are being offered the lowest rate they qualify for.
The above tactic paid off well for Thomas Mitchell who, according to the New York Times, "slashed his hefty auto insurance premium from $2,537 a year to $1,207". This should provide the much needed inspiration for any New Jersey driver to take advantage of the pricing loophole for better deals.
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