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Car Insurance Comparison

Looking for an easy way to do a car insurance comparison? Well, you have come to the right place at CarInsuranceComparison.com because let’s face it; choosing car insurance can be a chore.

Unfortunately, since car insurance is required by law in almost every state and not having car insurance can really create more trouble than you need, it is very important to make a thorough car insurance comparison before buying car insurance.

It is important to know why you need to do a thorough auto insurance comparison, what you should be comparing, and how to evaluate your results to make the best selection. Read on to learn all about how to find the best car insurance rates, but if you just want to hop right to it and compare car insurance quotes online ASAP then there is no need to wait - just enter your zip code in on the top of this page for a free comparison of car insurance quotes from top car insurance companies!

Why You Need a Thorough Car Insurance Comparison

Most of us make the mistake of thinking that car insurance policies are pretty much the same; that all we need to do is pick the policy with the best price and we are good to go. Nothing could be further from the truth.

While finding cheap car insurance is important (and we will tell you exactly how to do just that), each car insurance company (and there are a bunch of them out there) has many different policy types, each one has different levels of coverage, coverage options, incentives and discounts. Take a few moments and do an online car insurance policy comparison with a few of the best car insurance providers side by side and you will see exactly why this is so important.

Also, the cost associated with each of these different policies can vary greatly depending on the company you choose and the policy type, the coverage amount, and any other of a dozen different options you might select. Check out our auto insurance comparison chart and then just enter your zip above for a free online car insurance quote comparison.

To make it even more interesting, consider that different models of cars have different car insurance rates. If you want to compare car insurance rates for different cars before buying a car then you are already way ahead of the curve. You can get a free car insurance cost comparison if you just enter your zip in above.

(What did you say? We are the best car insurance comparison site? You make us blush!... In all seriousness, you may get sick of hearing the often simplistic sounding advice from us to "compare free car insurance quotes online by just entering in your zip code" or to "do your homework and do an online insurance comparison of rates from all of the best car insurance companies" but hey, if a few minutes comparing quotes online ends up saving you $250 or more then it all works out quite nicely, doesn't it?)

What You Need to Consider in Your Car Insurance Comparison

The key issues you need to prioritize include the level of insurance coverage you need, the amount of money you can afford to pay for your car insurance, and the type of insurance company you want to do business with. When you consider the level of insurance coverage you need you will need to do an honest evaluation of: your driving habits, your driving environment, and the type of situation you will be able to accommodate if you are ever need to file a claim. Getting a car insurance companies comparison online is simple with our free tool but keeping your head in the game and weighing all of your options is important to really save the big bucks and find an affordable car insurance policy.

Yes, it does matter how, when, and where you drive. Since insurance companies will evaluate these factors, you should as well. Be honest with yourself. If you regularly drive past the speed limit, if your daily drive includes major interstates and thoroughfares, or if your commute is an hour each way through any of the most populated cities in America then you might want to consider a higher level of coverage because you are in a higher risk category.

What that means is that your driving behavior, either good or bad will affect your chances of being classified as a high or low insurance risk. This is important because if you realize your driving risk category, you can make a more informed decision on whether you need basic coverage or a policy that includes every option known to man. Some companies even offer accident forgiveness policies if you are usually a good driver, but realize that even a good drive can have an accident.

You will also need to consider your driving environment. This includes more than just the area you drive through each day. You need to consider if you will be parking your vehicle on the street or if it will be locked in a garage, if you will be parking in any high crime areas or areas known for a high volume of vehicle accidents, or if the car you drive is a vehicle is commonly targeted for theft. Other considerations like if you have an alarm system or Lojack device installed can make a difference when deciding if you want coverage for theft of the vehicle. Installation of anti-theft devices will most likely lower your rates.

One of the biggest considerations you can make is to analyze how much cost can you bear when choosing any particular policy. How much you can afford can greatly affect how much coverage you can obtain as well as what type of company you can purchase from. There are companies that will offer you basic liability coverage for a very small monthly payment, there are companies that offer platinum level coverage options for payments that might make some executives flinch. You’ll need to find out where you fall between these two extremes; just remember that you often get what you pay for.

Also, when you start gathering price information for different policies and car insurance companies, you need to ask about any and all discounts, incentives, or promotions each company might have to save you money on your policy. Surprisingly, a high coverage/high dollar policy can become affordable after deducting all possible discounts, adding all available incentives, and taking advantage of any promotions offered.

Finally, you will need to think about the type of service and stability you want from the insurance company you will be doing business with. Despite the fact that insurance is one of the few products consumers purchase yet never want to use, it is almost inevitable that in all of your driving experiences you will need to file a claim at some point. When you do, you want to know that the insurance company you have been paying premiums to is still around to service that claim.

In addition, when they do service the claim you file, will they treat you as a valued customer, or an expense that needs to be settled? You will want to know what type of service history the company enjoys, is this the type of company you could recommend to your Mom or best friend? If so, there is a good chance it could be the company for you.

Evaluating Your Car Insurance Comparison Data

Once you have decided what coverage you want, how much you want to pay, and what type of company you want to service your insurance needs, you will need to gather data on the different companies that fit the bill. Our comparison tool above is one great resource. Just a few clicks and you will have side-by-side comparison information ready for you to evaluate.

Once you are here, decide on your priorities. You can rank price, coverage, and service/brand stability from one to three. Use this weighted list to narrow down the field to one or two really good choices. When your short list of car insurance companies is finished, no matter which option you select, you can be assured that your needs and wants will be met.

One final note; car insurance companies change rates regularly and often give considerable incentives to win new business from other companies. So, once you have have your short list of preferred insurance companies, don’t be afraid to go back and re-shop your options. You can sometimes save a bundle by just going back to your current insurance company to re-shop your rate and policy about every six months or so.

Get Free Car Insurance Quote Comparisons!

One thing is certain, we all need car insurance. If you have to have it, doesn’t it make sense to get to policy you really need, at the price you can really afford, and with a company you feel you can truly count on? Shopping car insurance may be a chore, but as important as being insured is, you will definitely want to take the time to do it right. Spend just a few quick minutes to enter your zip code into the box above and get started with your free car insurance quote comparison today!

Free Car Insurance Comparison

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You may be leaving hundreds, even thousands, of dollars on the table if you don’t regularly compare car insurance rates. Many factors affect your car insurance rates, and if any of them changed, it’s possible that the cheapest policy will come from a different insurer.

You should compare car insurance rates at these times, when your rates are likely to change significantly:

  • You bought a car
  • You added a teen driver to your policy
  • You got married or divorced
  • Your credit score changed
  • You bought a house or moved
  • You got cited for a DUI or major violation or caused an accident

Even if your status remains the same, you should do some car insurance shopping every six or 12 months. Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don’t have a life-changing event. That means you can wind up overpaying if you don’t compare insurance rates from several companies at least once a year.

Save by comparing car insurance rates

The chart below shows the highest and lowest rates from six insurers for each location. You’ll see that savings of over 50 percent can be had from doing an auto insurance quotes comparison:

ZIP codeHighest rateLowest rateSavings for lowest rate
Los Angeles 90029 $3,194 $1,464 $1,730
Chicago 60636 $2,989 $1,167 $1,822
Houston 77091 $2,934 $1,241 $1,693
Miami 33142 $3,277 $1,136 $2,141
NYC (Manhattan) 11031 $6,426 $1,407 $5,019

* Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Data for CarInsurance.com provided by Quadrant Information Services.

Now that you’re ready to save, we’ll walk you through the process of reviewing your coverage, gathering the personal information you’ll need, comparing rates and vetting potential insurers.

Five steps to take when car insurance shopping:

1. Get an idea of what you can expect to pay.

If you’ve moved or if you just want to get a feel for what car insurance costs in your neighborhood or are a new driver, you can get an idea of what people in your area are paying by using our car insurance comparison tool, showing the average car insurance rate in each ZIP code.

2. Review your existing policy and assess coverage.

While you shop around for the price and insurance company that is right for you, you should know what coverages are right for you too. If this is a new policy you need to meet at least your state's minimum liability car insurance requirements. If you simply want to find the cheapest car insurance possible when comparison shopping, you would look for liability coverage only, and in the smallest amount your state will accept. (Legally required minimum liability coverage amounts vary by state.) Bear in mind that some states require so little coverage that an accident might leave any other assets you have, such as a home or savings, vulnerable to lawsuits.

If you’re replacing a policy, review the information on your policy to see if your existing coverage is still the best for you.

The four main types of car insurance you should understand are:

  • Liability car insurance – Covers others’ property damage and medical expenses. If you have few assets, you don’t need high limits. If you own a home or have savings, you do -- 100/300/30 is recommended. That means $100,000 per person, up to $300,000 an accident and $30,000 for property damage costs.
  • Uninsured motorist coverage – Comes in two forms: uninsured motorist bodily injury pays for medical bills if you’re injured in an accident that an uninsured driver causes. Uninsured property damage pays to fix your car. Some states require these coverages, but if yours doesn’t, ask yourself if you would have the money to pay for damages yourself should you be hit or injured by a driver without car insurance.
  • Collision coverage – Covers damage to your car. This pays out only up to the actual cash value of your car. If your vehicle is old, you may not need this optional protection.
  • Comprehensive insurance – Covers theft and damage to your car from hail, floods, fire, vandalism and animal strikes. Like collision coverage, this will pay you up to the amount your car is valued by the insurance company. If you drive a beater, you may not need the extra coverage.

Comprehensive and collision coverage are typically not budget-busters. A comprehensive car insurance comparison analysis by the Insurance Information Institute shows the national average cost per year is $139. For collision, it’s $297.

Also, decide now what deductible makes sense for your situation. One of the best ways to save on car insurance is to raise your deductible for collision and comprehensive insurance, but remember that if you have a claim, that deductible will be your out-of-pocket expense to repair or replace your car. If you have more than one claim, you'll have to pay the deductible each time. We recommend you choose an amount that you can pay from savings. Your car won’t be repaired until you pay your share.

3. Gather your personal information.

If you compare car insurance rates online, it’s easier to compare quotes side-by-side, which saves you from having to repeatedly give out the same information and write down quotes on your own. Once you know what coverage you need, gather the following information to request a car insurance quote.

  • Name, birth date and driver's license number of all drivers to be covered.
  • Make and model of each car to be covered.
  • Driving history, including accidents and driving violations, of all drivers to be covered by the policy.

4. Start comparing multiple auto insurance quotes.

Now you can begin collecting online car insurance quotes. Request rates from at least three different insurers. Be careful to compare the same coverage by using the same liability limits, identical deductibles and optional coverages.

Also be sure to follow up with potential insurers about any car insurance discounts you may qualify for. There may be additional discounts offered that are not part of the online quote process. For instance, you may be asked how many miles you drive a year to see if you’re eligible for a low-mileage discount, but you may not be asked what your teen driver’s grades are, which could snag you a good-student discount.

Now that you know what coverages and limits you need, start now by finding car insurance companies in your area.

5. Research potential car insurance companies before you buy.

When you’re ready to buy, research the insurers that offered you the lowest rate. The National Association of Insurance Commissioners (NAIC) recommends that when you compare insurance companies you take the following steps:

  • Check with an insurance rating service, such as A.M. Best or Standard & Poor's, to find a grade or rating for the company and an analysis of its finances so you can feel confident that a potential insurance claim will be paid.
  • Check for complaints against the company with NAIC's Consumer Information Source.
  • You can also research complaint rates online at the Better Business Bureau and your state insurance department's websites.
  • Read the customer comments at the insurer’s Facebook and Twitter accounts to see if people are generally happy with the service.

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New Jersey Car Insurance

When it comes to obtaining car insurance in New Jersey, you have options. New Jersey offers several avenues for you to fulfill the state's car insurance requirements. Read more to learn about rates, policy options, and how to get the best car insurance quotes in New Jersey.

Car Insurance Requirements in NJ

In order to comply with New Jersey's car insurance laws, you must choose a car insurance policy. Basic and standard policies are available; you should choose whichever policy best suits your insurance and financial needs.

Basic Policy

The Basic policy option is the more affordable insurance package; however, it offers limited coverage, including:

  • $5,000 of property damage liability (PDL) per accident. This covers damage you may have caused to someone's property in a car crash.
  • $15,000 of personal injury protection (PIP) per person, per accident. This coverage pays for injuries you suffer in a car crash.
  • Up to $250,000 for very severe injuries, such as permanent brain injuries.

NOTE: Bodily injury liability (BDL) coverage is not included in the Basic policy; however, policyholders are offered the option to purchase $10,000 of BDL coverage.

Standard Policy

The Standard policy option has a higher premium but offers more extensive coverage.

With the Standard policy, you get a minimum of:

  • $15,000 of bodily injury liability (BDL) insurance per person, per accident. This coverage will pay for injuries to anyone not in your car if you cause a car crash.
  • $30,000 of BDL for multiple injured people per accident.
  • $5,000 of PDL per accident.
  • $15,000 of PIP per person in a car accident.
  • Up to $250,000 of PIP for severe or permanent injuries.

Right to Sue

If you choose to purchase the Standard policy, you will have to make a decision on your right to sue if you are injured in a car accident.

Regardless of which right to sue option you choose, you will not be eligible to sue for medical expenses or loss of income, as both of those will be covered by your PIP; you can only sue for pain and suffering.

Unlimited Right to Sue

If you choose the unlimited right to sue option, you can sue a person who caused an accident you were injured in.

Because this is option offers broader rights to sue, it comes with a higher premium.

Limited Right to Sue

If you choose the limited right to sue option, you agree to only sue a person who causes a car accident if you suffer any of the following injuries:

  • Loss of a body part.
  • Significant disfigurement.
  • Significant scarring.
  • Displaced fractures.
  • Loss of a fetus.
  • Permanent injury.
  • Death.

The limited right to sue option is the more affordable of the right to sue options, and is the only option available in the Basic policy plan.

PIP and Health Insurance

You have the option of making your health insurance the primary source of medical insurance after a car accident. If you are on Medicaid or Medicare, this option is not available to you.

If you choose to have your health insurance as your primary insurance over personal injury protection (PIP), your health insurance will pay for your medical care after an accident up to your policy's limits. Your PIP will help pay for further costs.

Choosing this option will lower your car insurance premium. However, before you make this decision, make sure your health insurance covers injuries due to car accidents.

You might also want to compare your health insurance deductible - the part of your insurance coverage you are responsible for - to your PIP deductible.If your health insurance deductible is higher, then consider making your PIP your primary source of insurance for accident-related medical expenses.

Optional Car Insurance

In addition to the Basic and Standard car insurance options, most New Jersey auto insurance carriers also offer the following optional types of coverage:

  • Comprehensive – This coverage protects you against damages done to your car that do not involve car accidents, such as vandalism or damage caused by bad weather.
  • Collision – This coverage will help pay for damages to your car that result from an accident with another moving car.
  • Towing and labor coverage.
  • Rental car coverage.

NOTE: Comprehensive and collision coverages are not required by New Jersey law; however, if you're paying a car loan or lease, your finance company will require you to purchase these types of coverage.

Special Automobile Insurance Policy

If you are enrolled in Federal Medicaid with hospitalization, you are eligible for New Jersey's Special Automobile Insurance Policy (SAIP), which helps people who might not be able to afford standard car insurance purchase a low-cost car insurance policy.

Through SAIP, you will only be covered for medical costs after a car accident.

An SAIP car insurance policy costs $365 per year if you choose to pay in 2 installments, or $360 per year if you pay for the entire year up front.

You can apply to SAIP through most New Jersey car insurance companies, but if you would like help, you can call the Personal Automobile Insurance Plan (PAIP) at (800) 652-2471.

Car Insurance Fraud in New Jersey

New Jersey takes insurance fraud very seriously. Possible car insurance fraud may involve:

  • Faking injuries after a car accident.
  • Medical professionals overcharging for treatment of injuries.
  • Staging car crashes.
  • Making or having false car insurance ID cards.

Fines and Penalties

Car insurance fraud convictions can lead to:

  • Jail time.
  • Up to $15,000 in fines.
  • Suspension of driver's license.

Reporting Car Insurance Fraud

If you know of any suspected car insurance fraud, you can report tips to the New Jersey Office of the Insurance Fraud Prosecutor (OIFP):

  • Online using the OIFP Fraud Reporting Form.
  • By phone through the OIFP hotline at (877) 553-7283.
  • By mail: NJ Department of Law and Public Safety Division of Criminal Justice Office of the Insurance Fraud Prosecutor P.O. Box 094 Trenton, NJ 08625-0094
  • Via email at NJInsuranceFraud@njdcj.org.

Rewards Program

The OIFP offers a rewards program for individuals who report fraud, but only if the tip leads to an arrest and criminal conviction. Also, in order for the reward to be payable, the tip must be new, meaning the case cannot already be under investigation.

If submitting a reward application, you must do so within 30 days of your original notification of fraud to the OIFP in order to be eligible to receive the reward.

Car insurance fraud affects everybody with car insurance. You can help keep car insurance premiums down by reporting any possible instance of car insurance fraud.

Most Stolen Cars in New Jersey

You may face higher car insurance rates if you own a car that is highly targeted for theft.

The following are the most stolen cars in New Jersey for 2013, according to www.nicb.org:

  1. Honda Accord.
  2. Honda Civic.
  3. Dodge Caravan.
  4. Jeep Cherokee/Grand Cherokee.
  5. Ford Pickup (Full Size).
  6. Toyota Camry.
  7. Nissan Altima.
  8. Ford Econoline E250.
  9. Nissan Maxima.
  10. Toyota Corolla.

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