Tightwads Tips for Saving on Ashton Car Insurance

Tired of paying out the nose each month for car insurance? Your situation is no different than millions of other consumers.

There are many to buy insurance from, and even though it's nice to have a selection, it makes it harder to compare rates.

It's important to check car insurance prices once or twice a year due to the fact that insurance rates are constantly changing. Even if you think you had the best deal last year you can probably find a lower rate today. Starting right now, forget all the misinformation about car insurance because I'm going to teach you the proper way to save money, get proper coverage and the best rates.

Buying affordable car insurance in Ashton is simple if you know the tricks. Just about every vehicle owner who is required by state law to have car insurance will be able to reduce their rates. But Illinois consumers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.

Illinois car insurance

Compare the Market for Car Insurance in Ashton

Most companies like State Farm and Allstate give prices for coverage online. Obtaining pricing is fairly straightforward as you simply enter the amount of coverage you want as detailed in the form. When the form is submitted, the system will obtain your driving record and credit report and generates a price based on these and other factors. Being able to quote online makes comparing rates easy, but the time required to go to many different websites and complete many quote forms can be a bit repetitive. But it's very important to have as many quotes as possible in order to get the best price on car insurance.

The easy way to compare rates

A quicker way to find cheaper rates makes use of a single form that analyzes rates from many companies. The form is fast, requires less work, and makes online quotes much simpler. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any one of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.

In order to find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it's recommended you replicate the limits and deductibles identical to your current policy. This ensures you will have rate quotes for similar insurance coverage.

Are you getting all your discounts?

Car insurance can cost a lot, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply.

  • Air Bag Discount - Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Drivers Education - Have your child take driver's ed class if offered at their school.
  • Safety Course Discount - Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Resident Student - Children who live away from home and don't have a car can be insured at a reduced rate.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • E-sign - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you can actually save on your bill.

Consumers should know that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don't profit that way. But all discounts will bring down the cost of coverage.

To see a list of providers with discount car insurance rates in Illinois, follow this link.

Much more information about car insurance in Illinois is available on the website for the Illinois Department of Insurance through this link. Visitors are able to find out industry alerts, view a list of available companies, discover disciplinary actions, and read enforcement actions against agents and companies.