Best Way to Find the Cheapest Aurora Auto Insurance

If online auto insurance comparisons are new to you, you may be confused because of the huge number of auto insurance companies offering insurance in Aurora.

Auto Insurance Comparison Rates in Aurora, IL

Most major insurance companies provide price estimates on the web. Getting online rates is quite simple as you simply type in your personal and coverage information into the quote form. Behind the scenes, the company's rating system will obtain information on your driving record and credit history and returns pricing information based on these factors.

Online quotes streamlines rate comparisons, but the time it takes to visit different websites and type in the same information is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to find a lower rate.

A less time-consuming method to compare rates uses one simple form to obtain quotes from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes rate comparisons much more efficient. As soon as you send your information, it gets priced and you are able to buy your choice of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To save time and find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend you copy the limits and deductibles as close as possible to your current policy. This way, you will have an apples-to-apples comparison based on similar coverages.

How to Lower your Auto Insurance Rates

It's important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

The list below includes some of the items used by your company to calculate prices.

More claims means more premium - Companies in Illinois give cheaper rates to insureds who do not file claims often. If you frequently file small claims, you can definitely plan on higher rates. Insurance coverage is designed for larger claims.
Do you know you're credit rating? - Having a bad credit rating is a important factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit history can use some improvement, you could be paying less to insure your by improving your credit score.
Rates may be lower depending on your job - Careers like real estate brokers, executives and dentists have the highest average rates because of high stress levels and lots of time spent at work. Other jobs such as scientists, historians and the unemployed get better rates.
What are your deductibles? - Physical damage deductibles define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. The more expense you have to pay, the lower your rates will be.

More discounts equal less premium

Companies offering auto insurance don't list every discount in a way that's easy to find, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Federal Employees - Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in high school.
Claim Free - Good drivers with no accidents pay less when compared to frequent claim filers.
Low Mileage Discounts - Keeping the miles down could qualify for better rates on cars that stay parked.
More Vehicles More Savings - Having multiple cars or trucks on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.

For a list of insurance companies with the best auto insurance discounts in Aurora, click this link.

It's not one size fits all

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone's situation is a little different.

Here are some questions about coverages that may help highlight if you could use an agent's help.

Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Are there companies who specialize in insuring high-risk drivers?
Is my nanny covered when driving my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?

If it's difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

Even more information can be read at the Illinois Department of Insurance website. Illinois consumers can download brochures, find out industry alerts, and read industry bulletins.

A tidy conclusion

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, poor customer service, high rates after DUI convictions and lack of trust in their agent. It doesn't matter why you want to switch choosing a new insurance company is not as hard as you think.

In this article, we presented many ideas to lower your auto insurance rates. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with some of the lesser-known companies.

Cheaper auto insurance is possible online as well as from independent agents in Aurora, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies don't offer online quoting and these small insurance companies work with independent agents.