Proven Techniques to Save on Bethany Auto Insurance

Paying for high-priced auto insurance can overdraw your savings account and force you to prioritize other expenses. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Multiple compete for your business, and because of this it can be hard to compare and uncover the absolute lowest rate

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every discount in an easy-to-find place, so we researched both well-publicized and the more hidden auto insurance savings.

No Accidents - Drivers who don't have accidents pay much less when compared to bad drivers.
Own a Home - Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
Low Mileage Discounts - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
Paperwork-free - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
Defensive Driving Course - Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

To see a list of insurance companies with the best auto insurance discounts in Bethany, follow this link.

Which Auto Insurance is Cheapest in Bethany, Illinois?

There are several ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance agencies in Bethany, or you can utilize the web to get pricing more quickly.

Many insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you are unable to specify which carriers to get quotes from. So if you want to choose specific insurance companies to compare rates, we put together a list of low cost auto insurance companies in Illinois. View list of Illinois insurance companies.

Whichever way you use, ensure you are comparing the exact same coverages on every quote you get. If each company quotes different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best in Bethany. Just a small difference in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding lower pricing.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels enables informed choices that will entitle you to big savings.

The list below includes a partial list of the pieces auto insurance companies consider when setting prices.

Rates may be higher depending on your occupation - Careers like judges, architects and accountants tend to have higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, occupations like pilots, athletes and the unemployed receive lower rates.
High deductibles save money - Your deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The more you are required to pay out-of-pocket, the bigger discount you will receive.
Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and lower injury rates translates into savings for insurance companies and lower rates for you.
Marriage pays dividends - Having a wife or husband actually saves money when buying auto insurance. Having a significant other means you're more responsible and it's statistically proven that married drivers get in fewer accidents.
Policy add-ons can waste money - There are a lot of add-on coverages that can waste your money on your auto insurance policy. Coverages like vanishing deductibles, accident forgiveness and term life insurance are examples of these. These may sound like a good investment at first, but if they're wasting money get rid of them and save.
Mature drivers pay less - More mature drivers are more cautious drivers, file fewer claims and are safer drivers. Teen drivers tend to be more careless when driving therefore auto insurance rates are much higher.

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing about savings if you move to their company. How do they all make almost identical claims?

All the different companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer could possibly be a mature driver, insures multiple vehicles, and has great credit. A driver who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings. This emphasizes why drivers must get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

Do the work, save more money

Cheaper auto insurance is definitely available online and also from your neighborhood Bethany agents, and you need to price shop both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and these small, regional companies work with independent agents.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced liability coverage limits only to discover later that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

For more Illinois auto insurance information

Even more information is located at the Illinois Department of Insurance website. Illinois consumers can read industry bulletins, report car insurance fraud, find disaster information, and get help finding coverage.