Free Guide to Spending Less for Big Rock Auto Insurance Online

I can't think of anyone who likes having to buy auto insurance, especially knowing their premiums are too high.

Drivers have multiple to pick from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

Choosing the best insurance company for you in Big Rock is easy if you know what you're doing. If you have car insurance now, you should be able to cut costs considerably using these techniques. But Illinois vehicle owners do need to know the way companies price online insurance because it can help you find the best coverage.

More discounts equal less premium

Companies don't necessarily list all available discounts very clearly, so we researched some of the best known and the harder-to-find ways to save on auto insurance.

Multi-car Discount - Having more than one vehicle on one policy qualifies for this discount.
Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
New Vehicle Savings - Adding a new car to your policy can save up to 30% since new cars are generally safer.
Senior Discount - Older drivers may qualify for better auto insurance rates.
Drivers Education - Require your teen driver to enroll in driver's education in school.
Federal Employees - Simply working for the federal government can save as much as 8% depending on your company.
Auto/Home Discount - When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
Seat Belts Save more than Lives - Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
No Accidents - Good drivers with no accidents pay much less when compared with frequent claim filers.
Auto/Life Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.

Drivers should understand that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way.

For a list of insurers offering auto insurance discounts in Illinois, click this link.

Big Rock Auto Insurance Quote Comparison

Most major insurance companies like Allstate, GEICO and Progressive give coverage prices online. Getting online quotes is pretty painless as you just enter your coverage preferences into the quote form. Once entered, their system will obtain information on your driving record and credit history and quotes a price based on these and other factors. This helps simplify price comparisons, but having to visit several different sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

A more efficient way to get multiple rate quotes requires only one form to get prices from several companies at one time. It's a real time-saver, requires much less work on your part, and makes quoting online a lot less work. After sending your information, your coverage is rated and you can choose any one of the quotes that you receive. If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

To quickly find out how much you're overpaying now, click here and input your coverage information. If you have coverage now, it's recommended you enter the limits and deductibles just like they are on your policy. This helps ensure you will receive rate comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Every insured's situation is different so this has to be addressed. Here are some questions about coverages that might point out if you might need an agent's assistance.

Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
Who is covered when they drive my vehicle?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Am I covered when driving in Canada or Mexico?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies.

Affordable insurance is out there

Budget-conscious auto insurance can be found on the web and also from your neighborhood Big Rock agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don't sacrifice coverage to reduce premiums. In too many instances, an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.