Pretty much every single auto insurance company in the United States offers a handful of different discounts that you were going to be able to take advantage of, deals and special offers that allow you to save more money on your auto policy they knew would have been able to otherwise.
At the same time, there are a lot of funny practices in the industry that give these companies the chance to kind of bait and switch customers into believing that they are getting a better deal than they actually are – and you need to be on the lookout for these kinds of offers.
Thankfully, there are a lot of New Jersey auto insurance laws that prevent companies from acting like predators when dealing with their clients, and you’ll want to make sure that you are always getting a fair shake from your company or else you need to report them to the proper regulatory body.
Here are some important things to remember regarding New Jersey auto coverage discounts in particular, making sure that you’re able to save as much money as possible on coverage without running afoul.
Not all discounts are created equally
The first thing that you have to understand is that New Jersey auto companies are in business for the same reason that every other operation is – to make as much money as possible.
There is a tremendous amount of regulation and a lot of New Jersey auto policy laws that they have to abide by, but for the most part they are able to kind of write their own rules. This is why you need to make sure that you are doing as much as humanly possible to save on your automobile coverage, but also why you need to make sure that you are researching multiple options, multiple companies, and multiple packages so that you don’t get hit with any curve balls along the way.
It isn’t at all uncommon for car companies to offer different kinds of discounts in an effort to confuse you into taking one that seems like it offers you the best savings opportunity on the surface, only to discover later that it isn’t anywhere near as significant a discount as you have been led to believe it to be.
Be on the lookout for these kinds of companies, and don’t be shy about reporting them for violating New Jersey automobile policy laws if they cross the line.
Not all discounts will “stack” with one another
At the same time, you need to make sure that you are aware of the New Jersey automobile laws that determine whether or not you’re able to “stack” particular discounts with one another to leverage the highest level of savings possible.
Most companies will tell you that you were only going to be able to take advantage of one discount or another, but that may or may not be true – depending upon the specific situation and the specific rules and regulations in place.
You always want to stack as many car coverage discounts on top of one another as possible to really boost your savings across the board, and you don’t want to be intimidated by companies that tell you that New Jersey auto insurance laws prevent you from being able to do so without actually verify the veracity of this statement.
New Jersey auto insurance laws prevent companies from baiting and switching discount deals
On top of that, it’s critical to understand that there are laws in place to prevent companies from baiting and switching different discount deals to get your business by some kind of trickery.
If you have been promised a specific deal or a specific discount – especially if you have signed a contract specifically because of that deal or discount – you need to be 100% certain that your company is going to honor the agreement.
If they do not, don’t be shy at all about bringing this up to different regulatory bodies to make sure that these companies are punished for the violation of New Jersey automobile policy laws.
You’ll always get the best deal when you contact insurance companies directly
At the end of the day, you are always going to be able to get your hands on the best possible deal and the best possible discount when you contact companies directly.
Do as much of your research in the initial phase as you can on the web, but don’t be shy at all about contacting these companies via the phone to ask for any hidden or unadvertised discounts that may be made available to you specifically.
As always, make sure that these companies are playing according to the rules, regulations, and the laws already on the books and that you’re always getting the best deal possible!