Lower Online Bowen Auto Insurance Prices With These Methods

If you are a novice to online auto insurance shopping, you may be overwhelmed by the vast number of auto insurance companies competing for business in Bowen.

It's important to compare prices periodically because insurance rates are constantly changing. Even if you got the best price six months ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate the only way to get good coverage at a lower rate.

The purpose of this article is to familiarize you with how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Illinois consumers only need to know the most effective way to compare prices online.

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but less common discounts must be requested specifically prior to getting the savings. If you're not getting every credit you qualify for, you're paying more than you need to.

Bundle and Save - When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
Early Signing - Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Sign Online - Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Drive Less and Save - Driving fewer miles can earn discounted rates on garaged vehicles.
Accident Forgiveness - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of companies offering auto insurance discounts in Illinois, click here to view.

Bowen Auto Insurance Comparisons

There are several ways to shop for auto insurance, but some are easier and takes less work. You can waste a lot of time talking to insurance agencies in Bowen, or you could save time and use the internet to achieve your goal.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and each company then returns a price quote determined by their information. This saves time by eliminating quote forms for each company you want a rate for. 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 you want to price. So if you prefer to choose individual companies to compare rates, we put together a list of auto insurance companies in Illinois. Click here for list of insurance companies in Illinois.

It's up to you which method you use, but be sure to compare identical coverage limits and deductibles on every quote you get. If your comparisons have different liability limits it will be impossible to determine which rate is truly the best in Bowen.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Listed below are a few of the "ingredients" auto insurance companies consider when setting rates.

Where you reside plays a part - Living in a small town can be a good thing when insuring your vehicles. Drivers who live in large cities have much more traffic and longer commute times. Less people living in that area translates into fewer accidents.
Traffic violations increase rates - Just one moving violation can boost insurance rates by twenty percent. Careful drivers have lower premiums than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Do you qualify for a multi-policy discount? - Most insurers will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount you still need to compare rates to ensure the best deal.
Pay less if you're married - Having a spouse can actually save you money on your policy. It means you're more responsible and it's proven that married couples file fewer claims.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's needs are different.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

What are the best liability limits?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Does my personal policy cover me when driving my company car?
Is my vehicle covered for flood damage?
Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Illinois consumers can't get away from ads for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you switch to their company.

How does each company make almost identical claims?

Different companies have a certain "appetite" for the driver that is profitable for them. For example, a desirable insured could possibly be a mature driver, a clean driving record, and has a high credit rating. A driver who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how companies can truthfully state the savings.

Because of the profiling, drivers must compare as many rates as you can. It is impossible to predict which company will have the lowest rates.

Best coverage at the best price

As you restructure your insurance plan, never reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to discover later that they should have had better coverage. The ultimate goal is to buy enough coverage at a price you can afford.

In this article, we presented some good ideas how you can compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with a small local company.

The cheapest auto insurance can be found online and also from your neighborhood Bowen agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional information can be found on the Illinois Department of Insurance website located here. Illinois consumers can view agent and company licensing information, file complaints about a company, and read consumer alerts.