Best Way to Find Cheap Bethalto Auto Insurance

Saving money on Bethalto auto insurance is nearly impossible for consumers new to comparing rates online. Consumers have so many options available that it can be more work than you anticipated to find the best price in Bethalto.

Pricing affordable protection in Bethalto is quite easy. Basically, every vehicle owner who is required by state law to have auto insurance will most likely be able to lower their premiums. But Illinois drivers do need to know the way insurance companies compete online and apply this information to your search.

Save big with these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but a few need to be specially asked for in order for you to get them.

  • Lower Rates for Military - Having a family member in the military may qualify for rate reductions.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount depending on your company.
  • Student in College - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Fewer Miles Equal More Savings - Fewer annual miles can earn better rates on cars that stay parked.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Clubs and Organizations - Participating in a qualifying organization could trigger savings when buying auto insurance.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Discount for New Cars - Adding a new car to your policy is cheaper due to better safety requirements for new cars.

Consumers should know that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way. But all discounts will bring down your overall premium however.

auto insurance in Bethalto

Auto insurance ads bend the truth

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make the same claim that you'll save big after switching your coverage to them. How does each company make almost identical claims?

All the different companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer could possibly be a mature driver, is a homeowner, and chooses high deductibles. A driver who matches those parameters gets the lowest rates and most likely will save when switching.

Potential insureds who fall outside these standards must pay more money which leads to the driver buying from a lower-cost company. Company advertisements say "people who switch" not "people who quote" save that much money. That's why companies can state the savings.

This illustrates why you should quote coverage with many companies. It is impossible to predict the company that will give you the biggest savings.

Learn more today

Much more information about auto insurance in Illinois can be found on the Illinois Department of Insurance website through this link. Illinois consumers can find disaster information, read industry bulletins, and read enforcement actions against agents and companies.

Shop smart and save

Discount auto insurance can be bought online as well as from independent agents in Bethalto, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds change insurance companies for many reasons like delays in responding to claim requests, high rates after DUI convictions, not issuing a premium refund and even an unsatisfactory settlement offer. Whatever your reason, finding the right auto insurance provider is less work than it seems.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.