Tightwads Guide to Saving on Bartonville Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You're in the same situation as the majority of other car owners in Illinois. Because there are so many companies and agents to choose from, it can be hard to locate the lowest cost company.

It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. If you had the lowest price a couple years back you will most likely find a better rate today. Block out anything you think you know about auto insurance because you're about to learn the fastest and easiest way to eliminate unnecessary coverages and save money.

More discounts equal less premium

Car insurance companies don't always advertise all their discounts very well, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you don't get every credit available, you are throwing money away.

Senior Discount - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Passive Restraints - Factory air bags can receive discounts of 20% or more.
Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
Drive Less and Save - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, you won't be that lucky.

Switch companies and save? Really?

Illinois drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you move your policy.

But how can every company say the same thing? It's all in the numbers.

Different companies can use profiling for the right customer that earns them a profit. For instance, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will have to pay higher rates and ends up with business not being written. The ad wording is "customers who switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the way they do. Because of the profiling, you should get as many comparisons as possible. It's not possible to predict the company that will provide you with the cheapest rates.

Even more information is located at the Illinois Department of Insurance website. Illinois drivers can learn about insurance regulations, download brochures, find out industry alerts, and file complaints about a company.

Also read more on this Car Insurance FAQ and this page of insurance agents in Bartonville.

In the end, you save

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price.

Throughout this article, we presented many tips how you can reduce auto insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest rates come from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .