Proven Ways to Save on Bradley Car Insurance

Nobody cherishes buying car insurance, particularly when they are paying too much. Consumers have many to buy insurance from, and even though it's nice to be able to choose, it can be more difficult to compare rates.

It's important to compare rates periodically due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates last year there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the web, but we're going to give you some great ways to reduce your car insurance bill.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Knowing what influences your rates enables informed choices that can help you get big savings.

More performance means more cost - The type of vehicle you drive makes a huge difference in the rate you pay. The lowest base rates are usually for economy passenger vehicles, but the cost you end up paying is determined by many additional factors.
Bad driving skills means higher rates - Careful drivers get better rates compared to drivers with tickets. Just one speeding ticket can boost insurance rates twenty percent or more. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to keep their license.
Teen drivers pay high rates - Youthful drivers in Illinois are known to be less responsible behind the wheel so they pay higher car insurance rates. Adding a teenage driver to your car insurance policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.
Marriage brings a discount - Getting married can get you a discount when buying car insurance. Marriage means you're more mature and statistics show married couples file fewer claims.

How to Get Bradley Car Insurance Comparison Quotes

Reducing your insurance rates can be relatively painless. You just have to take a couple of minutes getting comparison quotes from different insurance companies. This can be done in a couple of different ways.

The fastest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests to each individual car insurance company. Just one form will get you rate comparisons from car insurance companies with the best prices.
A slightly less efficient method to get quotes online requires you to visit each company website and complete a new quote form. For examples sake, let's say you want to compare , and . To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Bradley, click here.

Which method you use is up to you, but be sure to compare identical coverage information on every quote. If you use unequal deductibles or liability limits then you won't be able to make a fair comparison in Bradley.

Save big with these discounts

Car insurance companies do not advertise every available discount very clearly, so the following is a list of both the well known and also the lesser-known car insurance savings. If you're not getting every credit you qualify for, you are paying more than you should be.

Early Switch Discount - Some companies give discounts for buying a policy prior to your current policy expiration. It's a savings of about 10%.
Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Resident Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
E-sign - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Multi-policy Discount - If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.

It's important to note that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck.

To choose providers who offer car insurance discounts in Illinois, follow this link.

Car insurance ads bend the truth

Consumers in Illinois can't ignore all the ads for cheaper car insurance by State Farm and Allstate. All the ads say the same thing that you can save after switching to their company.

How does each company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a preferred risk might be over the age of 50, a clean driving record, and drives newer vehicles. Any driver who fits that profile is entitled to the best price and most likely will save when switching.

Consumers who fall outside these standards will be charged higher rates which usually ends up with the customer not buying. The ads state "customers who switch" not "people who quote" save that much. That is how insurance companies can claim big savings. That is why you need to compare as many rates as you can. You cannot predict which company will give you the biggest savings.

But I don't know anything about car insurance

When buying coverage for your vehicles, there isn't really a perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation may require specific advice.

Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Illinois?
Why does it cost so much to insure a teen driver in Bradley?
Does medical payments coverage apply to all occupants?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Additional detailed information can be read at the Illinois Department of Insurance website. Visitors are able to learn about specific coverages, file complaints about a company, read enforcement actions against agents and companies, and get help finding coverage.

Best coverage at the best price

We just presented a lot of information how to compare car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets than their larger competitors like .

When trying to cut insurance costs, never reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage and discovered at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Lower-priced car insurance can be bought both online and also from your neighborhood Bradley agents, and you should be comparing both to get a complete price analysis. A few companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.