Best Way to Find the Cheapest Coulterville Auto Insurance

Finding the best price on Coulterville auto insurance might seem complicated at first if you're new to online price comparisons. But don't be discouraged because using the internet to shop for auto insurance is actually quite easy.

It's important to price shop coverage occasionally since insurance rates are constantly changing. Just because you found the best deal last year the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to lower your annual insurance bill.

Take advantage of discounts

Car insurance companies do not advertise all their discounts in a way that's easy to find, so here is a list some of the best known and the more hidden auto insurance savings.

Accident Forgiveness - A handful of insurance companies permit an accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Memberships - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
No Claims - Good drivers with no accidents can earn big discounts as compared to bad drivers.
Drivers Ed for Students - Have your child complete a driver education course if offered at their school.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

To see a list of companies with discount auto insurance rates in Coulterville, follow this link.

Finding Auto Insurance Deals in Coulterville, IL

There are several ways of comparing rate quotes from different Coulterville insurance companies. The best method to find competitive insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

The best way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms to each individual auto insurance company. A single form gets you price quotes from several companies.It's the quickest way to get rates.
A less efficient way to compare rate quotes requires a trip to each individual company website and fill out their own quote form. For sake of this example, let's say you want to compare , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Coulterville, click here.
The least efficient method of getting rate comparisons is driving to and from local Coulterville insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional advice only provided by licensed Coulterville agents. You can, however, obtain prices from the web and still use a local agent and we'll touch on that later.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same quote information for each comparison quote. If you enter mixed coverages it will be next to impossible to determine the lowest rate in Coulterville. Just a small difference in limits may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices will improve the odds of getting a better price.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with big savings.

Shown below are some of the factors that factor into rates.

Males pay more for insurance - Statistics show women are more cautious behind the wheel. Now that doesn't mean men are WORSE drivers than women. They both tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.
Bundling policies can get discounts - Some companies will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare rates to confirm you are receiving the best rates possible.
Do you have enough liability coverage? - Your policy's liability coverage is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Do you work long hours in a high stress job? - Jobs such as doctors, architects and dentists are shown to have the highest average rates attributed to high stress and lots of time spent at work. Other professions such as scientists, historians and retirees pay the least.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Do I qualify for additional discounts?
What companies insure drivers after a DUI or DWI?
Is my cargo covered for damage or theft?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to say the same thing that you can save if you change your policy. How can each company say the same thing?

All the different companies have a certain "appetite" for the right customer that is profitable for them. An example of a desirable insured might be profiled as a mature driver, owns a home, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher prices which usually ends up with business not being written. The ad wording is "people who switch" not "people who quote" save that kind of money. That is how insurance companies can advertise the savings. Because of the profiling, drivers must get as many comparisons as possible. It's not possible to predict which company will give you the biggest savings.

Final considerations

Affordable auto insurance can be sourced on the web in addition to many Coulterville insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at an affordable rate.

Consumers leave their current company for many reasons like denial of a claim, policy cancellation, questionable increases in premium or high rates after DUI convictions. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

For more Illinois car insurance information

Additional detailed information is available at the Illinois Department of Insurance website. Illinois drivers can learn about insurance regulations, read consumer alerts, and find out which companies have the most complaints.