Casey Auto Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of auto insurance options in Casey? Lot's of other consumers are too. There are so many choices that it can turn into more work than you anticipated to find better rates.

If you currently have car insurance, you should be able to cut costs considerably using this information. The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. Nevertheless, Illinois drivers do need to know the way companies compete online because it can help you find the best coverage.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that could result in better auto insurance rates.

The following are a partial list of the pieces that factor into premiums.

Protect your assets with liability insurance - Liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
Do you know your deductibles? - Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and burglary. The more the insured has to pay upfront, the less your auto insurance will be.
Teen drivers pay high rates - Older insureds are more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers are known to get distracted easily when behind the wheel therefore auto insurance rates are much higher.
Drive a safer car and pay less - Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you.
Extra add-on coverages are wasting money - There are a ton of extra coverages that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and membership fees may be wasting your money. They may seem good when you first buy your policy, but your needs may have changed so get rid of them and save.
Pleasure use saves money - Driving more miles in a year the more you'll pay to insure your vehicle. The majority of insurers apply a rate determined by how the vehicle is used. Autos that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.

Comprehensive Casey Auto Insurance Comparison

There are several ways to compare auto insurance prices and some are easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in Casey, or you could save time and use the web to accomplish the same thing much quicker.

Most of the larger companies participate in a marketplace that allows shoppers to send in one quote, and each company returns a rated price based on that information. This system prevents you from having to do quotation requests to each individual auto insurance company.

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

One minor caviat to comparing rates this way is you can't choose which providers you want pricing from. If you prefer to choose individual companies to compare prices, we have a listing of auto insurance companies in Illinois. Click to view list.

It's up to you how you get prices quotes, just ensure you are comparing the exact same coverage information on every quote you get. If the quotes have unequal deductibles or liability limits it will be impossible to determine which rate is truly the best in Casey. Having just a slight variation in coverage limits could mean much higher rates. Just remember that having more price comparisons will enable you to find the best offered rates.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all available discounts in an easy-to-find place, so we researched both well-publicized as well as the least known ways to save on auto insurance.

Organization Discounts - Participating in certain professional organizations could trigger savings when buying auto insurance.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
Save over 55 - If you're over the age of 55, you may be able to get a discount up to 10%.
Military Discounts - Having a family member in the military may qualify for rate reductions.
Driver Safety - Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
Auto/Life Discount - Larger companies have lower rates if you buy life insurance from them.
Paperless Signup - Some insurance companies will discount your bill up to fifty bucks simply for signing on their website.
Discount for Good Grades - This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, companies don't profit that way.

To choose insurers who offer auto insurance discounts in Casey, click this link.

Is there truth in advertising?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make the same claim of big savings after switching your policy. How do they all make almost identical claims?

Different companies are able to cherry pick for the right customer that makes them money. For instance, a profitable customer could possibly be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A driver who matches those parameters will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay a higher premium which leads to the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently claim big savings. This illustrates why you need to get quotes from several different companies. It is impossible to predict which auto insurance company will give you the biggest savings.

More tips and info about auto insurance is located at the Illinois Department of Insurance website. Illinois consumers can find out which companies have the most complaints, report car insurance fraud, and read enforcement actions against agents and companies.

Do the work, save more money

Cost effective auto insurance can be bought online in addition to many Casey insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits only to discover later that it was a big mistake. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, not issuing a premium refund or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is easier than you think.