Free Guide to Saving Money on Chatsworth Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say there are many Chatsworth consumers feeling the pinch from expensive auto insurance. Insurance companies such as GEICO and Progressive constantly blast consumers with ad campaigns and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to price shop coverage at least once a year because prices are constantly changing. Just because you had the best price two years ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you're about to find out the proper way to find better coverage at a better price.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

  • Are you male or female? - Statistics demonstrate women are more cautious behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Don't get talked into coverage you don't need - There are many extra coverages that you can buy when buying auto insurance. Insurance for roadside assistance, towing coverage and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Better credit scores mean better rates - Credit score is a large factor in calculating your auto insurance rates. So if your credit score is lower than you'd like, you could save money insuring your by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
  • Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as lawyers, architects and dentists are shown to have the highest average rates attributed to high stress levels and lots of time spent at work. Other professions such as actors, historians and homemakers pay the least.
  • Marriage pays dividends - Having a spouse can actually save you money when buying auto insurance. It usually means you are more responsible and it's statistically proven that being married results in fewer claims.
  • Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • The more you drive the more you pay - The more miles you rack up on your car in a year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance policy is rated on how each vehicle is driven.

Chatsworth auto insurance comparison

Quick Chatsworth Auto Insurance Quotes

Reducing your insurance rates can be surprisingly simple. You just have to take a few minutes comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method prevents you from having to do multiple quote forms to each individual auto insurance company. Completing one form will return quotes from multiple low-cost companies.
  2. A slightly less efficient method to get quotes online is to take the time to go to each company's website to complete their respective quote request forms. For examples sake, let's assume you want to compare rates from , and . To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method. To view a list of companies in Chatsworth, click here.
  3. The least efficient method to compare rates is to drive around to insurance agents' offices. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance only provided by licensed agents. You can, however, find lower rates online and still use a local agent. We'll cover that shortly.

Whichever way you use, compare exactly the same coverages and limits on every quote you get. If you use different deductibles it will be impossible to determine which rate is truly the best in Chatsworth.

Save big with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you quote, but a few need to be specially asked for before you get the savings. If you aren't receiving every discount possible, you are paying more than you should be.

  • Senior Citizens - If you're over the age of 55, you may qualify for a discount up to 10%.
  • Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • No Claims - Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Homeowners Discount - Owning a house in Chatsworth may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Payment Discounts - If you pay your bill all at once instead of making monthly payments you could save 5% or more.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To choose companies offering auto insurance discounts in Chatsworth, follow this link.

Auto insurance ads bend the truth

Consumers in Illinois can't ignore all the ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you switch your policy.

How can each company claim to save you money?

All the different companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured might be over the age of 50, has no tickets, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay a higher premium which usually ends up with the customer not buying. The ads state "people who switch" not "people who quote" save that kind of money. That's the way companies can truthfully state the savings.

Because of the profiling, you need to quote coverage with many companies. It's impossible to know which auto insurance company will give you the biggest savings.

Additional information can be found on the website for the Illinois Department of Insurance through this link. Visitors are able to learn about insurance regulations, discover disciplinary actions, find out industry alerts, and read industry bulletins.

auto insurance in Chatsworth

And the best car insurance company is...

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at an affordable rate.

Cheaper auto insurance is available both online in addition to many Chatsworth insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We covered many ways to compare auto insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like .