6 Money Saving Ideas Guaranteed to Lower Car Insurance Costs in Glassboro, NJ

Are you overwhelmed by the number of car insurance options in Glassboro? Lot's of other consumers are too. Drivers have so many options available that it can turn into a challenge to find lower rates.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Most are applied at quote time, but some must be asked about in order for you to get them.

  • Club Memberships - Belonging to a civic or occupational organization could trigger savings when buying car insurance.
  • Military Rewards - Having a family member in the military can result in better rates.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% depending on your company.
  • Braking Control Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of insurers with the best car insurance discounts in Glassboro, click this link.

How to Compare Glassboro Car Insurance Costs

There are several ways to compare car insurance prices and some are less time-consuming than others. You can waste hours driving to agents in Glassboro, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most car insurance companies participate in an industry program that allows shoppers to submit one quote, and every company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is that you can't choose the companies you want pricing from. So if you want to select specific providers for rate comparison, we put together a list of low cost car insurance companies in New Jersey. View list of New Jersey insurance companies.

It's up to you how you get prices quotes, just compare exactly the same coverages for every company. If you use different limits and deductibles on each one it will be next to impossible to decipher which rate is best in Glassboro. Having just a slight variation in coverages can make a big difference in price. Just keep in mind that quoting more will improve the odds of getting lower pricing.

Final considerations

Cheaper car insurance is definitely available from both online companies and with local Glassboro insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

Insureds who switch companies do it for many reasons like questionable increases in premium, delays in responding to claim requests, being labeled a high risk driver and extreme rates for teen drivers. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.