Lower Online Clinton Auto Insurance Prices With These Methods

If you are a novice to online auto insurance shopping, you can be overwhelmed because of the huge number of auto insurance companies offering insurance in Clinton.

It's important to compare prices periodically because insurance rates are constantly changing. Even if you think you had the best price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because we're going to demonstrate how to quote online to buy cheaper auto insurance.

Choosing the best insurance company for you in Clinton is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Illinois drivers only need an understanding of the proper way to shop their coverage around on the web.

How to Get Clinton Auto Insurance Comparison Quotes

Most major insurance companies like State Farm and Allstate quote coverage prices on the web. Getting online rates is quite simple as you simply enter your personal and coverage information into the quote form. Behind the scenes, the company's rating system will obtain credit information and your driving record and gives you a price quote based on these and other factors.

Being able to quote online helps simplify price comparisons, but the process of having to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible if you are searching for a lower rate.

A less time-consuming method to compare rates uses one simple form that analyzes rates from a lot of companies. It's a real time-saver, eliminates form submissions, and makes online shopping much easier to do. As soon as you send your information, it is quoted with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

To save time and find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. This way, you will be getting rate comparison quotes based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that can help you get big savings.

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

High performance equals high price - The type of car you drive makes a substantial difference in your rates. The cheapest insurance rates are for economy passenger vehicles, but the cost you end up paying is determined by many additional factors.
Traffic violations increase rates - Even a single moving violation can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
Extra coverages can waste money - There are quite a few additional coverages you can purchase on your auto insurance policy. Coverages for personal injury protection, better glass coverage and term life insurance are examples of these. They may seem good when talking to your agent, but if they're wasting money eliminate them to save money.
Men are more aggressive - Statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. They both cause accidents in similar percentages, but men tend to have more serious accidents. Men also get cited for more serious violations such as DWI and reckless driving.

More discounts equal less premium

Companies don't list every available discount very clearly, so we took the time to find both well-publicized and the harder-to-find auto insurance savings. If you're not getting every credit you qualify for, you're just leaving money on the table.

Discount for Swiching Early - Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
Safety Course Discount - Taking part in a course in driver safety can save you 5% or more depending on where you live.
Save over 55 - Older drivers may receive better auto insurance rates.
Low Mileage - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Accident Forgiveness - Certain companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

It's important to understand that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way.

For a list of providers with discount auto insurance rates in Illinois, follow this link.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Every insured's situation is different.

Here are some questions about coverages that may help highlight if you would benefit from an agent's advice.

Does my car insurance cover rental cars?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?
Should I buy additional glass protection?
Is my vehicle covered for flood damage?
Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It's fast, free and may give you better protection.

More tips and info about auto insurance can be found at the Illinois Department of Insurance website. Illinois consumers can learn about specific coverages, file complaints about a company, and discover disciplinary actions.

In the end, you save

In this article, we presented a lot of tips how to lower your auto insurance rates. It's most important to understand that the more you quote, the better your chances of lowering your rates. Consumers may even find the most savings is with a lesser-known regional company.

Low-cost auto insurance is attainable online and also from your neighborhood Clinton agents, so you should compare both to have the best selection. Some auto insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for auto insurance, it's very important that you do not reduce needed coverages to save money. There have been many cases where someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.