Anyone knows that insurance companies don’t want policyholders to compare prices from other companies. Consumers who compare rates at least once a year are likely to switch auto insurance companies because the odds are good of finding a more affordable policy. A survey found that drivers who compared price quotes annually saved an average of $72 a month compared to those who never shopped around for lower prices.
If finding low prices for insurance in Newark is your target objective, learning how to shop and compare insurance can save time, money, and frustration.
It takes a few minutes, but the best way to find the cheapest price for Volkswagen Routan insurance is to annually compare prices from providers who can sell car insurance in Newark.
First, take a little time to learn about how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many things that cause rate increases such as distracted driving and a not-so-good credit score can be improved by making small lifestyle or driving habit changes. Continue reading for additional ideas to get affordable coverage and get discounts that may be overlooked.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agencies can provide prices for a wide range of companies. View rates
Third, compare the price quotes to your current policy to see if you can save by switching companies. If you find a lower rate, make sure there is no lapse in coverage.
Fourth, provide notification to your current company of your decision to cancel your current car insurance policy and submit a down payment along with a signed application to your new carrier. As soon as you have the new policy, put the proof of insurance certificate along with your vehicle registration.
A tip to remember is to make sure you enter identical coverages on each quote request and and to get rate quotes from as many companies as feasibly possible. Doing this enables a fair price comparison and a thorough selection of prices.
If you have coverage now, you will definitely be able to find the best rates using the ideas presented in this article. The goal of this article is to tell you the best ways to compare prices and also pocket some savings But New Jersey vehicle owners must learn how big insurance companies calculate their prices.
Just keep in mind that comparing more prices gives you a better chance of getting a lower rate.
The companies shown below offer price comparisons in New Jersey. To locate cheap car insurance in NJ, it’s highly recommended you click on several of them to get a more complete price comparison.
Insurance coverage analysis
The premium table displayed next highlights a range of insurance prices for Volkswagen Routan models. Having a good understanding how insurance rates are figured can aid in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Routan S 2WD | $398 | $694 | $532 | $32 | $158 | $1,814 | $151 |
| Routan SE 2WD | $448 | $844 | $532 | $32 | $158 | $2,014 | $168 |
| Routan SEL 2WD | $448 | $994 | $532 | $32 | $158 | $2,164 | $180 |
| Routan SEL Premium 6 Cyl 2WD | $500 | $994 | $532 | $32 | $158 | $2,216 | $185 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates noticeably.
Exclusive and independent insurance agents
A small number of people just want to visit with an insurance agent and that can be a great decision A nice benefit of getting online price quotes is you can get cheap auto insurance quotes and still buy from a local agent. Supporting local agents is important especially in Newark.
After filling out this short form, your insurance data is emailed to local insurance agents in Newark that provide free Newark car insurance quotes for your coverage. You won’t need to find an agent as quotes are delivered to the email address you provide. You can find lower rates without requiring a lot of work. If you need to compare rates from one company in particular, don’t hesitate to visit that company’s website and fill out their quote form.
If you need to find a good insurance agency, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Auto insurance policy providers can be categorized as either exclusive or independent (non-exclusive).
Independent Agencies or Brokers
Agents that choose to be independent do not sell for just one brand so they can insure your vehicles through many different auto insurance companies and get the cheapest rates. If they find a cheaper price, they simply switch companies in-house and you don’t have to do anything.
When searching for an agent, it’s recommended you check rates from several independent insurance agents to have the most options to choose from. Many write coverage with additional companies that you may not be familiar with which can save you money.
Shown below is a short list of independent insurance agencies in Newark that may be able to give free auto insurance rate quotes.
- Acosta Agency
568 Broadway # B – Newark, NJ 07104 – (973) 482-5898 – View Map - Express Insurance
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780 – View Map - Cheap Car Insurance Quotes Auto Newark NJ
268 W KINNEY ST – Newark, NJ 07103 – (888) 290-0635 – View Map
Exclusive Auto Insurance Agents
Agents that choose to be exclusive normally can only provide a single company’s rates and some examples include State Farm or Allstate. These agents are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agencies are usually well trained on the products they sell and that can be a competitive advantage. Some insured continue to buy from the same agent for years mostly because of the brand name rather than having the cheapest rates.
Listed below are Newark exclusive agents willing to provide comparison quotes.
- State Farm: Greg Daniels
681 1/2 Mt Prospect Ave – Newark, NJ 07104 – (973) 484-5772 – View Map - Farmers Insurance: Anthony Pugliese
217 Chestnut St – Newark, NJ 07105 – (973) 536-2060 – View Map - State Farm: Zanetta Glover
570 Broad St #114 – Newark, NJ 07102 – (973) 648-0699 – View Map
Finding a good insurance agency is decision based upon more than just a low price. Any agent in Newark should be willing to answer these questions.
- Does the agent recommend any additional coverage?
- Are claims handled at the agent’s location?
- Can glass claims be handled at your home?
- Can they provide you with a list of referrals?
- How many years have they been established?
Newark car insurance companies ranked
Ending up with the top auto insurance provider can be a challenge considering how many different companies there are to choose from in Newark. The company information shown below may help you select which auto insurance companies you want to consider to insure your vehicles.
Top 10 Newark Car Insurance Companies Overall
- Mercury Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
- GEICO
- 21st Century