Tightwads Instructions on Saving on Cottage Hills Auto Insurance

I can't think of anyone who likes paying for auto insurance, especially knowing the price is too high.

Lots of contend for your business, and it can be difficult to compare rates to get the lowest rate

If you have car insurance now, you will be able to save some money using this strategy. Finding the best rates in Cottage Hills is not that difficult. Although Illinois vehicle owners do need to know how insurance companies price insurance differently and take advantage of how the system works.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that help determine auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to lower auto insurance prices.

Too many auto insurance claims drive up costs - Companies in Illinois generally give better rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
A clean driving record saves money - Even one speeding ticket may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
Lower miles equals lower premium - Driving more miles each year the higher your rate. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Cars left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your auto insurance coverage is showing the proper vehicle usage, because it can save money.
Safer occupants lowers premiums - Cars with high safety ratings get lower rates. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you.

Are you getting all your discounts?

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find discounts you could be receiving.

Federal Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
Good Student - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
No Claims - Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
Payment Method - By paying your policy upfront instead of making monthly payments you could save 5% or more.
Organization Discounts - Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

To choose insurance companies who offer auto insurance discounts in Cottage Hills, click here.

How can Progressive, Allstate and GEICO save drivers who switch?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all have a common claim about savings after switching your policy. How do they all say the same thing? This is how they do it.

All companies have a certain "appetite" for the right customer that makes them money. An example of a driver they prefer might be profiled as over the age of 50, a clean driving record, and drives newer vehicles. A propective insured that hits that "sweet spot" receives the best rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will be quoted higher premiums and this can result in business not being written. Company advertisements say "drivers who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully claim big savings. This emphasizes why you should get as many quotes as possible. It's not possible to predict which company will give you the biggest savings.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone's situation is unique and your policy should reflect that. For instance, these questions may help highlight whether you may require specific advice.

Am I covered if I drive in a foreign country?
Should I buy only the required Illinois minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Am I covered when delivering products for my home-based business?
What companies insure drivers after a DUI or DWI?
Do I have any recourse if my insurance company denies a claim?

If you can't answer these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Even more information is available at the Illinois Department of Insurance website. Illinois drivers can download brochures, file complaints about a company, file complaints about an insurance agent or broker, and find disaster information.

The best insurance company isn't always the cheapest

Throughout this article, we presented a lot of techniques to save on auto insurance. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding lower rates. You may be surprised to find that the biggest savings come from a smaller regional carrier. Some small companies may cover specific market segments cheaper than the large multi-state companies such as .

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.