8 Ways to Save on Car Insurance in Abingdon

No one looks forward to buying car insurance, especially when they are paying too much.

Drivers have multiple to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Despite the fact that you may have had the best rates two years ago a different company probably has better rates today. There is too much inaccurate information about car insurance online but we're going to give you some great ways to find cheap car insurance.

Are you getting all your discounts?

Car insurance can cost a lot, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount.

Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Resident Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
No Accidents - Good drivers with no accidents pay less compared to drivers who are more careless.
Accident Forgiveness - Certain companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
Multi-policy Discount - If you have multiple policies with one insurance company you may earn up to 20% off your total premium.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different and your policy should reflect that. For instance, these questions might point out whether you might need professional guidance.

Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Illinois?
Why does it cost so much to insure a teen driver in Abingdon?
What are Illinois no-fault laws?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
Will I be non-renewed for getting a DUI or other conviction?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate continually stream ads on television and other media. All the ads have a common claim about savings after switching to their company. How does each company make the same claim?

All companies have a certain "appetite" for the driver that earns them a profit. A good example of a preferred risk could be between 30 and 50, owns a home, and chooses high deductibles. Any new insured that hits that "sweet spot" gets the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be charged more money and this can result in business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that much. That is how companies can truthfully state the savings.

That is why drivers should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

For more Illinois car insurance information

Additional information can be read on the website for the Illinois Department of Insurance located here. Consumers can file complaints about a company, read consumer alerts, read enforcement actions against agents and companies, and learn about insurance regulations.

Do the work, save more money

You just learned a lot of ways to reduce car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a small local company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

When buying insurance coverage, it's very important that you do not skimp on coverage in order to save money. There have been many cases where an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheap car insurance can be bought from both online companies and also from your neighborhood Abingdon agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.