7 Discounts Glen Gardner Shoppers Forget when Shopping for Car Insurance

Overpriced car insurance can take a big chunk out of your savings account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. Drivers have multiple to buy insurance from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Most are applied when you purchase, but some must be manually applied before being credited. If you're not getting every credit you deserve, you are throwing money away.

  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Own a Home - Owning a home in Glen Gardner can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Student in College - Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the cost of coverage.

car insurance in Glen Gardner

How can 21st Century, Allstate and State Farm save drivers who switch?

Consumers get pounded daily by advertisements for car insurance savings by 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you move to their company.

How does each company make the same claim? It's all in the numbers.

All companies have a preferred profile for the driver that earns them a profit. An example of a profitable customer could be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher prices and ends up with business going elsewhere. The ad wording is "customers who switch" not "everybody who quotes" save that much. This is how insurance companies can advertise the way they do.

This illustrates why you should quote coverage with many companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

More information is available on the website for the New Jersey Department of Banking and Insurance found here. Consumers can discover disciplinary actions, get help finding coverage, view a list of available companies, and read enforcement actions against agents and companies.

And the best car insurance company is...

Affordable car insurance is possible from both online companies and also from your neighborhood Glen Gardner agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When shopping online for car insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.