Gladstone Auto Insurance For Less Than You're Paying Now

Finding lower rates for Gladstone auto insurance is challenging for consumers new to comparison shopping online. Drivers have so many options that it can turn into more work than you anticipated to find the best price in Gladstone.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you purchase, but some may not be applied and must be asked for before being credited.

  • Seat Belt Usage - Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Claim Free - Claim-free drivers pay less when compared to drivers who are more careless.
  • Safety Course Discount - Taking a course teaching defensive driving skills could save 5% or more if you qualify.
  • Senior Discount - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Low Mileage Discounts - Low mileage vehicles could qualify for a substantially lower rate.
  • New Vehicle Savings - Buying coverage on a new vehicle is cheaper compared to insuring an older model.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down your premiums.

The auto insurance bait and switch

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all have a common claim about savings if you change your coverage to them. How does each company say the same thing? It's all in the numbers.

Different companies can use profiling for the type of customer that earns them a profit. A good example of a driver they prefer might be profiled as between 30 and 50, is a homeowner, and has great credit. A propective insured that hits that "sweet spot" is entitled to the best price and therefore will save when switching.

Consumers who don't measure up to these standards will be quoted higher prices and this can result in business not being written. The ads state "customers who switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the savings.

This emphasizes why you should get as many comparisons as possible. It's not possible to predict the company that will give you the biggest savings.

Additional information can be read on the New Jersey Department of Banking and Insurance website found here. New Jersey drivers can find a variety of consumer forms, read industry bulletins, and discover disciplinary actions.

Affordable insurance is out there

Drivers leave their current company for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, delays in responding to claim requests and even denial of a claim. Regardless of your reason, finding a new auto insurance company is less work than it seems.

Cheaper auto insurance is attainable on the web as well as from independent agents in Gladstone, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.