Easy Ways to Spend Less on Buckingham Car Insurance

Searching for affordable Buckingham car insurance over the internet is somewhat difficult for beginners to shopping for insurance online. With so many choices of insurers to choose from, how can consumers even start to compare every one to find the cheapest rates?

It's important to compare prices yearly because rates are constantly changing. If you had the best deal two years ago there is a good chance you can find better rates now. So just ignore everything you know about car insurance because you're going to learn the proper way to find lower rates on car insurance.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Teen drivers pay high rates - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Young drivers tend to be more careless when driving and because of this, their car insurance rates are much higher.
Where do you drive? - The more you drive in a year's time the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your car insurance policy is rated on the correct driver usage, because it can save money.
Rates may be higher depending on your occupation - Jobs such as doctors, business owners and dentists tend to have the highest average rates due to high stress levels and long work days. Other occupations like pilots, historians and the unemployed receive lower rates.
Better crash test results mean better rates - Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
How's your driving record? - Careful drivers get better rates than people who have multiple driving citations. Even one moving violation can boost insurance rates by as much as thirty percent. Drivers who have severe citations such as 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 motor vehicle department in order to drive a vehicle legally.

Compare Car Insurance Today

The are a couple different ways to compare quotes from local Buckingham car insurance companies. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

The fastest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form prevents you from having to do multiple quote forms for each company you want a rate for. A single, simple form gets you coverage quotes from multiple low-cost companies. It's the fastest way to compare.
Another way to shop for car insurance online consists of going to each company's website to request a price quote. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in Buckingham, click here.
The least recommended way of comparing rate quotes is to drive around to different Buckingham agent offices. Buying insurance online eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. However, consumers can find lower rates online but buy from a local insurance agent and we'll talk about that later.

It's your choice how you get your quotes, but make sure you use exactly the same coverages for each price quote. If you are comparing different limits and deductibles on each one then you won't be able to truly determine the lowest rate in Buckingham. Quoting even small variations in coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will increase your chances of finding lower pricing.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so here is a list some of the more common and also the lesser-known savings tricks you should be using.

College Student - Kids in college who live away from home without a vehicle on campus can receive lower rates.
New Car Discount - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
No Accidents - Drivers who don't have accidents can earn big discounts as compared to accident-prone drivers.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Good Student Discount - This discount can earn a discount of 20% or more. The discount lasts up to age 25.
Sign Online - A few companies will give a small break for buying your policy digitally online.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

To choose companies with the best car insurance discounts in Buckingham, click here to view.

Save $429 a year? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move to their company. How can each company make the same claim? It's all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. An example of a desirable insured could be over the age of 50, has no prior claims, and chooses high deductibles. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will have to pay higher premiums and ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings. Because of the profiling, you need to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different.

For example, these questions can help discover whether your personal situation may require specific advice.

Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
What companies insure drivers after a DUI or DWI?
Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Illinois?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Even more information is available at the Illinois Department of Insurance website. Consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read industry bulletins.

Final considerations

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price.

People who switch companies do it for a variety of reasons including not issuing a premium refund, delays in paying claims, high rates after DUI convictions or even unfair underwriting practices. No matter why you want to switch, finding a new car insurance company is easier than you think.

We just showed you many tips how you can compare car insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.