Full Coverage Insurance Quotes in New Jersey

Unless you’ve been living under a rock since the start of the twenty-first century, you’re probably aware that shopping for full coverage insurance quotes online is convenient. Shopping online isn’t anything new, and there’s no shortage of choices when you’re searching for auto insurance in New Jersey; having access to information isn’t a problem but determining what insurance carrier is right for you can prove to be challenging if you don’t have the right mindset.

As consumers, we’re programmed to search for the lowest possible price. Price shopping for disposable household items may prove to be financially wise, but choosing your auto insurance carrier solely based on price isn’t always the best idea. In order to help you maximize your time and get the best value, here are ten shopping tips to consider when you’re shopping online for full coverage insurance quotes.

Provide Your Information

To save time, it’s best to have your information ready when you’re shopping for car insurance online. The transaction process may be different, but the information an insurance carrier will require to prepare a quote generally remains the same. Required information typically includes your name, date of birth, year, make and model of car and vehicle identification number (VIN).

Understand Full Coverage

Let’s consider what full coverage insurance quotes consist of. You may have also heard of full coverage referring to an auto policy. A standard auto insurance policy with full coverage will typically include each of the following coverages: liability, personal injury protection, uninsured/underinsured motorist coverage, comprehensive and collision. Other common coverage options to consider may include higher uninsured/underinsured motorist limits and gap coverage. Protecting yourself, your family and your car is why you’re buying car insurance in the first place.

Look for Excellent Service

Questions you may want to consider about your insurance carrier should include the following: Do they have in-house, licensed car insurance agents who can answer your questions and advise you on coverage options? Does your insurance carrier have a dedicated claims department? What about a helpful customer service team? If you cannot answer a resounding “Yes” to all three of these questions, do not settle for the “cheaper” price — keep looking!

Consider Deductible Options

It’s important to choose the right auto insurance plan, but the policy options don’t end with coverage and protection limits. Your deductible is the amount of money you pay out of pocket in an accident before coverage kicks in. Generally speaking, you will have deductible options of $250, $500 or $1,000 depending on the insurance carrier. Typically, the higher your deductible, the lower your premium (price), and the lower your deductible, the higher your premium. Once you have received some full coverage insurance quotes, it’s time to consider premium adjustments based on a deductible you feel comfortable with.

Question Carrier Experience

How long has the insurance carrier been in business? At first, the question may seem irrelevant to you as a consumer, but consider a simple follow-up question: Would you feel more comfortable being insured by an insurance carrier that’s been in business for a few short years, or one that’s been in business for decades? The length of time an insurance carrier has been in business speaks to the experience they have processing claims and advising customers.

Financial Strength Rating

Building a strong financial foundation is imperative for an insurance carrier. Why should you care? The financial strength of a carrier determines their ability to pay claims and, in some cases, how quickly those claims are paid. Doing business with a financially anemic insurance carrier could be very risky for you as a consumer. Be sure to do your homework and look up the financial rating of a prospective insurance carrier before signing on.

Check Online Reviews

You can review almost any type of transactional experience online these days. Everything from your local diner, your neighborhood bank, or the corner barber shop can be reviewed. Although some online reviews are not fair, generally they are accurate descriptions of the experiences local people have had buying a product and/or service from a business entity. While you’re shopping for full coverage insurance, check out what your peers are saying about a prospective insurance carrier. You’ll probably be glad you did.

Explore Available Discounts

Before accepting initial car insurance quotes from a carrier online, be sure to explore all the possible discounts that may be available to you. Reasons for discounts on car insurance may include good grades for student drivers, completion of a safety driving course, and students living away at college. There may also be affinity program discounts available.

Consider Quoted Price

Finally, there’s price. Yes, budgeting money is important, and you need to be able to afford your car insurance payment for full coverage. However, consider all the previous buying tips first before jumping at the “cheapest” available price when searching for full coverage insurance quotes. Warren Buffet once said, “Price is what you pay, value is what you get.” Consider that before you choose a car insurance carrier.

Final Thoughts on Full Coverage Insurance Quotes

Car insurance should be more than a piece of paper you buy to put in the glove box of your car simply to show proof you have it for traffic stops or New Jersey state inspection stations. Do your homework, and choose a carrier first, then consider the price. To start your research, you can read information about coverage options, the benefits of car insurance and find out about several hidden car insurance discounts you did not know about.

If you understand the importance of value when doing business with an insurance carrier, consider Plymouth Rock Assurance! If you have questions about full coverage insurance, call Plymouth Rock today, and one of our friendly representatives would be happy to speak with you.

Call 855-993-4470, get your free quote online or find a local agent to see how Plymouth Rock Assurance can help you with full coverage insurance quotes in NJ. If you need additional information, please visit our Contact Us page.