Fact or Fiction: Myths of the Auto Insurance World

While you shop around for New Jersey car insurance it’s easy to ask family and friends what they like or dislike about their current insurance provider. Everyone agrees that when it comes to car insurance we want the lowest rates, appropriate coverage and great service, but sometimes it can be hard to separate truth from myth.  You depend on your car, so make sure you can depend on your NJ insurance agent and remember these facts when shopping for your NJ car insurance policy:

•     Your auto insurance rates can be lower by maintaining a clean driving record. 
•     If you own a home you will most likely qualify for lower NJ auto insurance rates.
•     A good credit score helps qualify you for low cost NJ Auto Insurance rates.
•    NJ Insurance laws require minimum amounts of insurance, however purchasing higher amounts may   be more affordable than you think – be sure to examine all your coverage options before you purchase.
•   Auto policies are NOT all the same – a knowledgeable agent can explain the coverage differences before you have a claim and save you hundreds, even thousands of dollars in the long run.   
•   The color of your car does not matter, but the type of vehicle you drive does. Factors such as year, body, and model of car affect your premium; the color you choose has no affect. 
•  Combining your NJ Auto Insurance & NJ Homeowners Insurance policies can save anywhere from 10% to 25% or more on each policy.   
•  Buying Direct vs. a NJ Independent agent.  Independent insurance agents are not beholden to any single insurance company.  Instead, they shop multiple insurance companies to offer their client a choice of insurance products, services and competitive cost options best suited to the client’s unique individual needs and budget.                               

Dickstein Associates works closely with each of their clients to understand their unique needs.  Whether it’s your car, home, or business, you deserve a personalized insurance plan, reviewed by a professional independent agent and best suited to protecting your lifestyle and future success. Contact us today for a free, no obligation consultation.