Cheap Car Insurance Asbury Park NJ: Compare Quotes From Best Companies - [Mom Prepared] (2025)

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As a wife and mother of four children in Asbury Park, New Jersey, finding affordable car insurance is essential to ensuring the safety and financial security of my family. With children ranging in age from 16 to 25, each with their own driving habits and needs, it can be a challenge to find the right coverage at the right price. That’s why I decided to compare quotes from the best insurance companies in the area to see which one offers the best value for our family.

When it comes to choosing a car insurance provider, it’s important to consider not only the cost of the premium but also the coverage options and customer service. I decided to compare five national insurance carriers to see how they stack up in terms of average annual insurance premium costs. After doing my research, here’s what I found:

1. State Farm: State Farm is a well-known insurance provider that offers a wide range of coverage options for drivers in Asbury Park. Their average annual insurance premium for our family’s vehicles is $1,200.

2. Geico: Geico is another popular insurance company that is known for its affordable rates. Their average annual insurance premium for our family’s vehicles is $1,100.

3. Allstate: Allstate is a reliable insurance provider that offers comprehensive coverage options for drivers in Asbury Park. Their average annual insurance premium for our family’s vehicles is $1,300.

4. Progressive: Progressive is a reputable insurance company that is known for its competitive rates. Their average annual insurance premium for our family’s vehicles is $1,250.

5. Farmers: Farmers is a trusted insurance provider that offers personalized coverage options for drivers in Asbury Park. Their average annual insurance premium for our family’s vehicles is $1,350.

After comparing these insurance carriers, I found that Geico offers the best value for our family’s needs. Their affordable rates and excellent customer service make them the ideal choice for us.

In addition to finding the right insurance provider, it’s also important to consider the vehicles owned by our family and the cost of maintenance and insurance for each one. Here are the six vehicles that we own, along with their average cost for maintenance and insurance:

1. 2015 Honda Accord: This reliable sedan is perfect for daily commuting and family outings. The average cost of maintenance and insurance for the Honda Accord is $1,500 per year.

2. 2017 Toyota Sienna: With four children, a minivan is a must-have for our family. The average cost of maintenance and insurance for the Toyota Sienna is $1,800 per year.

3. 2019 Ford Explorer: This SUV is ideal for road trips and outdoor adventures. The average cost of maintenance and insurance for the Ford Explorer is $2,000 per year.

4. 2016 Subaru Outback: This versatile crossover is great for both city driving and off-road excursions. The average cost of maintenance and insurance for the Subaru Outback is $1,700 per year.

5. 2014 Chevrolet Silverado: This rugged truck is perfect for hauling and towing. The average cost of maintenance and insurance for the Chevrolet Silverado is $2,200 per year.

6. 2020 Volkswagen Tiguan: This compact SUV is fuel-efficient and stylish. The average cost of maintenance and insurance for the Volkswagen Tiguan is $1,600 per year.

With four children of various driving ages, it’s important to consider the cost of insurance for each one. Here are the average annual insurance premiums for our children:

– 16-year-old daughter: $2,500

– 18-year-old son: $2,000

– 21-year-old daughter: $1,800

– 25-year-old son: $1,500

It’s crucial to ensure that each of our children has the right coverage to protect them on the road while also keeping costs manageable for our family.

When it comes to auto insurance, there are several sometimes forgotten issues that can impact your coverage and costs. Here are eight issues to consider and how to deal with them:

1. Credit score: Your credit score can have a significant impact on your insurance rates. To improve your credit score, pay your bills on time, keep your credit card balances low, and monitor your credit report regularly.

2. Driving record: Your driving record is another important factor that insurance companies consider when determining your rates. To maintain a clean driving record, obey traffic laws, avoid distractions while driving, and take defensive driving courses if necessary.

3. Vehicle type: The type of vehicle you drive can also affect your insurance rates. Before purchasing a new car, research the insurance costs associated with different makes and models to find one that fits your budget.

4. Mileage: The number of miles you drive each year can impact your insurance rates. Consider carpooling, using public transportation, or walking or biking for short trips to reduce your mileage and save on insurance costs.

5. Multi-policy discounts: Many insurance companies offer discounts for bundling multiple policies, such as auto and home insurance. Ask your insurance provider about multi-policy discounts to save money on your premiums.

6. Deductibles: Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. Consider raising your deductible to lower your premiums, but make sure you have enough savings to cover the higher out-of-pocket costs.

7. Discounts: Insurance companies offer a variety of discounts, such as safe driver discounts, good student discounts, and anti-theft device discounts. Ask your insurance provider about available discounts to maximize your savings.

8. Annual review: It’s important to review your insurance coverage annually to ensure that you have the right amount of coverage for your needs. Consider making changes to your policy as needed to save money and protect your family.

In conclusion, finding affordable car insurance in Asbury Park, NJ, is essential for our family’s safety and financial security. By comparing quotes from the best insurance companies, considering the cost of maintenance and insurance for our vehicles, and addressing sometimes forgotten issues, we can make informed decisions to protect our family on the road. With the right coverage and careful planning, we can enjoy peace of mind knowing that we are well-protected in case of an accident or emergency.
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