5 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Atkinson

Consumers who are new to the process of buying insurance online will discover shopping for cheap Atkinson car insurance very challenging.

It's important to compare prices periodically since rates are constantly changing. If you had the lowest price two years ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you're about to find out the fastest and easiest way to lower your rates without sacrificing coverage.

Save big with these 5 discounts

Car insurance companies don't necessarily list all their discounts in a way that's easy to find, so we researched some of the more common as well as the least known ways to save on car insurance. If you aren't receiving every discount you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with the same company you may earn at least 10% off all policies.
Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts up to 30%.
Claim Free - Good drivers with no accidents pay much less as compared to drivers who are more careless.
Lower Rates for Military - Having a family member in the military can result in better rates.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

Keep in mind that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it just doesn't work that way.

But I don't know anything about car insurance

When it comes to buying the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation might need professional guidance.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
What companies insure drivers after a DUI or DWI?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim that you can save if you move your coverage to them.

How can each company make the same claim?

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. For instance, a desirable insured could be between 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay a higher premium which leads to business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that much money. That is how insurance companies can state the savings. Because of the profiling, drivers should compare as many rates as you can. It's just too difficult to predict which company will give you the biggest savings.

Additional Illinois consumer information

Additional detailed information is located at the Illinois Department of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, and read industry bulletins.

Best coverage at the best price

When buying insurance coverage, it's not a good idea to skimp on coverage in order to save money. In many instances, someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

You just learned many ideas to reduce car insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with the least-expected company.

Insureds who switch companies do it for a number of reasons such as policy non-renewal, poor customer service, high rates after DUI convictions and even unfair underwriting practices. Whatever your reason, choosing a new insurance company is less work than it seems.