Find Cheap Gladstone Auto Insurance

Purchasing the lowest cost Gladstone auto insurance over the internet can be rather challenging for consumers new to comparison shopping online. Because there are so many insurers available, how can consumers possibly compare the different rates to find the cheapest rates?

It's important to get comparison quotes quite often because prices are constantly changing. Despite the fact that you may have had the best price a few years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because we're going to demonstrate one of the best ways to get good coverage at a lower rate.

Save big with these discounts

Auto insurance companies don't always advertise all their discounts very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Own a Home - Owning a house in Gladstone can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Government Employees - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.

Gladstone auto insurance comparison

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

These are some specific questions may help you determine if your situation might need professional guidance.

  • Why does it cost so much to insure a teen driver in Gladstone?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don't have a local agent, complete this form.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to make an identical promise that you can save after switching your policy. How does each company claim to save you money?

All companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured might be between 30 and 50, insures multiple vehicles, and has a short commute. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save when switching.

Consumers who fall outside these standards will have to pay higher prices and ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that kind of money. This is how insurance companies can make the claims of big savings. Because of the profiling, you should quote coverage with many companies. It's impossible to know which insurance companies will fit your personal profile best.

Additional detailed information can be found at the Illinois Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, and download brochures.

Gladstone auto insurance comparison

Shop smart and save

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at a price you can afford.

Affordable auto insurance can be bought both online in addition to many Gladstone insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

People change insurance companies for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, extreme rates for teen drivers and even policy non-renewal. Whatever your reason, choosing a new insurance company is less work than it seems.