How to Get the Best New Jersey Homeowners Insurance Quotes

Getting multiple New Jersey homeowners insurance quotes might seem like a lot of work, but many of the companies you contact will offer you different policy limits and special discounts. This will help you get the lowest monthly premium without sacrificing full coverage. Even if you already have an insurance plan, it’s important to ask your insurance agent about discounts and bundles. Insurance companies tend to introduce new policies often, so there’s a good chance that you could save a lot of money with new discounts.

Bundle Discounts

When you’re getting New Jersey homeowners insurance quotes from, you should ask if the company offers a bundle discount. Many insurance companies offer plans that include multiple policies at a discounted price. This is a great way to save money in the long run while giving yourself and your family complete coverage. A standard bundle discount will probably include homeowners insurance, car insurance, and life insurance. Many companies offer special bundle plans for homeowners who rent or live in multi-family houses. These plans will usually include homeowners insurance, renters insurance, and specialty dwelling insurance of some kind.

Family Discounts

Along with special bundle discounts, New Jersey homeowners insurance quotes will often include special discounts for different family members. If you have a child who goes to a boarding school or lives at college, you can receive a distant student discount. Many companies limit this to students who are attending college over 100 miles away from your home. If you’re purchasing an insurance bundle that includes auto insurance, you should ask about getting a distant student discount for your son or daughter.


Many car insurance companies will offer an additional discount for teen drivers if their parents are already receiving a safe driver discount.

Miscellaneous Discounts

There’s a good chance that you can get discounts on your New Jersey homeowners insurance quotes simply by switching from one insurance agency to another. Competition between insurance companies is fierce, so they’ll take advantage of any opportunity to win you over. Agents will try to undercut the competition, so be sure to keep track of the quotes that you get and use that information to your advantage.


Some companies will offer a discount on your premium if you sign up for their electronic funds transfer system, which will automatically pay your bill at the beginning of each month. You can also get a quick discount by offering to pay your entire premium in one lump sum.

How to Compare California Auto Insurance Quotes

If you’re looking for California auto insurance quotes, you’re probably going to be flooded with offers. In one way, that’s good. The more California auto insurance quotes you receive, the more likely it will be that you find the lowest price with the best service. A problem arises if the quotes don’t match each other. Without apples to apples comparisons, you really can’t make smart decisions about the quotes you do receive. It pays to know the different ways you can qualify for discounts on any California auto policies before you shop here, so you can determine which offers you receive are really the lowest. Here’s a short list of the most common ways to save money:

Good Driver Discount Law

Many insurance companies offer safe driver discounts. These vary from state to state and from company to company. California is one of the few states that have a mandatory good driver discount written right into law. When shopping for California auto insurance quotes, remember that you’ll be eligible for a 20 percent discount on your policy if you meet certain eligibility requirements. You can find out if you qualify for the discount by visiting the California Department of Motor Vehicles website for details. If you’ve been driving for more than three years without an accident or citation, it’s likely you qualify.

Low Income Driver Program

Automobile insurance in California can be expensive. In order to make it easier for cash-strapped consumer to afford insurance, California has a program in place that offers discounts to low-income drivers. In order to qualify, a single person needs to have an income of under $28,725. A family of four with an income under $58,875 can also qualify. The discount you receive and other aspects of your eligibility depend upon the county where you reside. You can check with the California Department of Insurance for more details before you shop for California auto insurance quotes.

Bad Driving Record

If you’re having trouble getting California auto insurance quotes because of a poor driving history, you can get help. California operates an automobile assigned risk plan, called CAARP. If you’re being shut out of the traditional car insurance market because of too many citations or accidents, CAARP offers Californians a way to enter an assigned risk pool. Insurers that sell regular car insurance policies in the state are required to underwrite a certain amount of policies from the pool of drivers with bad driving records. The rates are generally higher than anything you’ll find on the open market, but as long as you make your premium payments, your policy will stay in force. If you improve your driving history while participating in CAARP, eventually you’ll be able to look for California auto insurance quotes for regular policies and save money.

Gather Information Before Looking for New York Homeowners Insurance

Searching for New York homeowners insurance isn’t difficult, but it often involves a great deal more information than other types of insurance policies. When you need auto insurance, for instance, you give your insurance agent the make and model of your car, a little bit of personal information about yourself, the amount of coverage you desire, and then the cost of the policy is easily determined. A New York homeowners insurance policy requires many additional pieces of information.


To get a firm New York homeowners insurance quote from, you’re going to need to describe your house in detail. Unlike automobiles, your house can’t be assessed for insurance purposes strictly by the year it was built and who built it. In order to give a detailed quote, your agent will need to know what year the house was built, how long you’ve owned it, the square footage of living and utility space, and the style of the home. You’ll also need to answer detailed questions about the materials and fixtures in the house so that they can be insured for their true value if you make a claim. This includes questions about the exterior of the house, including outbuildings. You’ll need to know what kind of plumbing, electrical, heating and cooling systems are in place, and what kind of septic system you have. Insurance agents will be interested in auxiliary heat sources like fireplaces and wood stoves.


The cost of your New York homeowners insurance policy can be affected by unusual things, some of which can seem trivial to a homeowner, but might have a big effect on the outcome of a disaster that could cause a claim. You’ll be asked to estimate how far away the nearest fire department is, and how far your house is from the nearest fire hydrant.


New York homeowners insurance policy amounts are based on risk, so efforts by homeowners to minimize risks to the house and its occupants can bring lower premiums. Your agent will ask you if your house is secured by deadbolt locks, or whether you have an alarm or monitored security system. They’ll also be interested in the number and placement of smoke detectors and carbon monoxide detectors in the house. The amount of credit you get for these safety devices can depend on whether they’re hardwired into the house, or rely solely on batteries to work.


After questions about the house itself, you’ll be asked to make a detailed list of all the valuable items in the house that would be part of a claim if they’re lost or stolen. This would include things like jewelry, fine art, musical instruments, antique furniture, guns, and sports and leisure equipment.

Save bucks on homeowners insurance

Bet you never considered getting a discount on your homeowners insurance premium. Maybe you thought discounts weren’t available. Or that you didn’t have any way of qualifying.  Maybe you thought you had to accept the first rate offered you by an insurer. You might even have believed that you have gotten the very lowest Pennsylvania homeowners insurance quotes possible. Maybe you did.


But maybe, just maybe you didn’t.


There are no hidden ways to get discounts. It’s not a big secret kept from most consumers. It’s not complicated, either. Here’s how:


Just ask.


What? If you ask, you’ll get a discount?  Chances are that you will, and that comes as a surprise to many consumers. But not the sharpest ones. They know not to accept the first rate offered.  They know that there are deals available. They know to ask one simple question:


“What discounts are available?”  And in the answer your agent gives could be money saving discounts just for you.  Why pay more than you have to?


Shoppers in souks all over the world know that often, just asking for a discount gets you one. But here in the United States, negotiating price is not part of our daily life. To tell the truth, we’re a little uncomfortable with the whole idea.


But buck up and do it. You may find that you can get a discount because you are a new customer. Or if  you are sticking with your original insurance company, they may discount you for staying with them.


If all your insurance is with a single company, you may get a better rate for this bundling of coverages. Ask about that.  Also, if you have never filed a claim, you are very attractive to insurers and they may discount you to get your business.


For certain you’ll get a better premium if you have a security system protecting your home, especially a really good one. If you live in a gated community you may also qualify for a discount.  Nonsmokers can get discounts—less risk of fires.    You’ll definitely pay less if you don’t have a bite-risk dog on the premises.


Regardless of which discounts you might qualify for, one thing is certain. You won’t get them if you don’t ask about them. So don’t be afraid to raise this issue with your insurance agent. It may just pay off in a lower premium.


Women and driving

In the beginning, cars were  a guy-thing and women drivers were the object jokes. And in some third world countries, women are still not allowed to drive. Hard to believe, but true. But here in the state of motor vehicle manufacturing—and in most developed countries– women are enthusiastic members of the motoring public.  These days, there are more women on the road than men.


Very early in the history of automobiles, women had key involvement. The Girl Scouts first offered an “automobiling” badge in 1916. To earn the merit badge, Girl Scouts had to prove their driving kills, that they knew the mechanics of cars and also first aid.  This was no easy task because cars had a crank start that women found hard to operate. Of course, once the crank start became obsolete, women began driving in greater numbers and soon, they were the ones going to get Michigan car insurance quotes from


Generally speaking, women pay lower premiums than men and the reason is that they get in fewer car accidents. Because they are lower risk, they pay less than men.


Other factors that make them a lower risk are that women also get fewer speeding tickets than men and far, far fewer DUI charges. And there are even more reasons for a lower premium. Data shows that women tend to pick cars that are easier to insure. And far fewer women die in car accidents. Of course, women do drive fewer miles than men.


Despite these gender differences, the biggest determiners of what you pay is your individual claims history and your own driving record.


Still, it’s interesting to think about how women were treated by car manufacturers back in the day.  The first female automative designer was hired by General Motors in 193.  In the early 1950s Nash made a car that was aimed at women shoppers. It was called The Metropolitan.  Inevitably, Dodge made a pink car complete with matching cosmetics and purse. That would never happen today, but it is amusing to learn how car manufacturers thought of women in the earlier days of automobiling.


Most people have no idea that the well-known muscle car—the Mustang—was originally meant to be a car for women.  Today, of course, there are far more male owners of the model than female and it is considered a guy’s car.