Free Guide to Spending Less for Aledo Auto Insurance Online

Paying for high-priced auto insurance can dwindle your savings account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Don't pay full price with these discounts

Companies that sell car insurance don't list all available discounts in a way that's easy to find, so we break down both the well known and also the lesser-known savings tricks you should be using.

Multi-car Discount - Having more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
Passive Restraints - Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
Paperless Signup - Certain companies may give you up to $50 for buying your policy digitally online.
Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurers offering auto insurance discounts in Aledo, click here to view.

How to Get Cheap Auto Insurance in Aledo, IL

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You can waste a lot of time talking to agents in Aledo, or you could use the internet to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company returns a rated price for coverage. This saves time by eliminating form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only drawback to using this type of form is that you can't choose which carriers you want pricing from. If you wish to select specific providers for rate comparison, we put together a list of companies who write auto insurance in Illinois. Click here for list of insurance companies in Illinois.

It's your choice how you get your quotes, but make sure you use exactly the same coverages and limits for every company. If you use different deductibles then you won't be able to decipher which rate is best in Aledo. Quoting even small variations in coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more company's prices will increase your chances of finding a lower rate.

Tips to Get Lower Aledo Rates

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate premiums.

Higher deductibles cost less - Deductibles for physical damage represent how much money you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, collision with an animal, or theft. The higher the amount you have to pay, the bigger discount you will receive.
Where you live can impact rates - Residing in a rural area is a positive aspect when talking about auto insurance. Fewer people means a lower chance of having an accident. City drivers have more traffic problems and longer commute times. More time commuting translates into higher accident risk.
High credit ratings translate to low rates - A driver's credit score is a big factor in determining what you pay for auto insurance. Therefore, if your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. People with good credit tend to be more responsible than drivers who have poor credit.
Lower rates with optional equipment - Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Pay less after the wedding - Having a spouse can actually save you money on your policy. Having a spouse translates into being more responsible and statistics show married drivers get in fewer accidents.

Your personal situation dictates your coverage

When choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you could use an agent's help.

Am I covered when driving on a suspended license?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

The auto insurance bait and switch

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch your coverage to them. How can each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of customer that is profitable for them. For example, a profitable customer might be over the age of 40, has no prior claims, and has a high credit rating. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements must pay more money and ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much money. This is how companies can truthfully state the savings. This illustrates why drivers must get quotes from several different companies. It's impossible to know which insurance companies will have the lowest rates.

Do the work, save more money

Cheaper auto insurance is available both online as well as from independent agents in Aledo, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We covered many tips how you can compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

Learn more about auto insurance in Illinois

Even more information can be found at the Illinois Department of Insurance website. Visitors are able to report car insurance fraud, view agent and company licensing information, find out industry alerts, and view a list of available companies.