How to Get Low-Cost Anna Auto Insurance

If you are a novice to online auto insurance shopping, it's easy to get confused by the large number of auto insurance companies competing for business in Anna.

It's important to compare prices occasionally because prices are constantly changing. If you had the lowest price on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you're about to learn one of the easiest ways to find the best coverage while lowering your premiums.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts very well, so we researched both well-publicized and the harder-to-find ways to save on auto insurance.

College Student - Any of your kids who are attending college without a vehicle on campus can receive lower rates.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Service Members Pay Less - Having a family member in the military can result in better rates.
Good Student - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy qualifies for this discount.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of companies with the best auto insurance discounts in Illinois, click this link.

Finding Auto Insurance in Anna, IL

The are a couple different ways of comparing price quotes from different Anna insurance companies. The best method to find competitive insurance rates is to get quotes online. This can be done in a couple of different ways.

The best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate quote forms for each company you want a rate for. A single form will return price quotes from many national carriers. Just one form and you're done.
A more difficult way to shop for auto insurance online consists of visiting each company's website to request a price quote. For examples sake, we'll pretend you want to compare , and . To get each rate you have to take the time to go to each site to enter your coverage information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Anna, click here.

It's up to you how you get prices quotes, just make absolute certain that you use apples-to-apples deductibles and coverage limits for each price quote. If the quotes have different values for each quote it will be very difficult to truly determine the lowest rate in Anna. Having just a slight variation in limits may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces auto insurance companies consider when setting rates.

Mature drivers pay less - Teen drivers in Illinois tend to be more careless behind the wheel so auto insurance rates are higher. Adding a teen driver to your auto insurance policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
More than one policy can earn a discount - The majority of auto insurance companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare rates to ensure the best deal.
Drive a safer car and pay less - Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
Careful drivers pay lower rates - Just one citation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.

Insurance agents can help

When choosing the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's situation is unique.

For example, these questions might point out whether your personal situation could use an agent's help.

What are Illinois no-fault laws?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?
Am I covered when pulling a rental trailer?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the same claim that you can save if you move to their company. But how can every company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the driver that is profitable for them. For instance, a desirable insured could possibly be over the age of 40, owns a home, and has great credit. A customer getting a price quote who matches those parameters will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the savings. Because of the profiling, drivers must get as many quotes as possible. It's impossible to know which company will fit your personal profile best.

Affordable insurance is out there

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest price.

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, policy non-renewal, unfair underwriting practices or poor customer service. No matter why you want to switch, switching auto insurance companies is actually quite simple.

Affordable auto insurance is possible online and also from your neighborhood Anna agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

For more Illinois car insurance information

Additional detailed information is located at the Illinois Department of Insurance website. Illinois consumers can read enforcement actions against agents and companies, read consumer alerts, and find disaster information.

Additional helpful sites include Auto Insurance 101 and this page of insurance agents in Anna.