Easy Methods to Pay Less on Creve Coeur Auto Insurance

Are you overwhelmed by the dozens of auto insurance choices in Creve Coeur? You're not the only one! There are so many companies to choose from that it can turn into a real challenge to locate the lowest price.

It's important to shop coverage around at least once a year because insurance rates are constantly changing. Even if you got the lowest price on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you're about to learn the only way to get good coverage at a lower rate.

Shopping for the cheapest coverage in Creve Coeur is easy if you know what you're doing. Basically, every driver who has to buy auto insurance will most likely be able to reduce their rates. Nevertheless, Illinois drivers do need to know how big insurance companies price online insurance because it can help you find the best coverage.

Save big with these discounts

Car insurance can cost a lot, buy you may qualify for discounts that many people don't even know exist. A few discounts will automatically apply at the time of quoting, but less common discounts must be inquired about before you will receive the discount.

Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Defensive Driver - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Low Mileage - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
No Charge for an Accident - Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
Early Signing - Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.

It's important to understand that most discount credits are not given the the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of providers offering auto insurance discounts in Illinois, click here to view.

How to Compare Creve Coeur Auto Insurance Costs

There are several ways of comparing rate quotes from auto insurance companies in your area. The recommended way to compare insurance prices consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

One of the best ways to find low rates is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate quote forms for every auto insurance company. Completing one form compares rates from many national carriers. Just one form and you're done.

A less efficient way to get quotes online is going to each company website to complete a price quote. For examples sake, let's say you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular. To view a list of companies in Creve Coeur, click here.

It's up to you which method you use, but compare apples-to-apples coverage limits and deductibles with each company. If you use different liability limits it will be impossible to make an equal comparison in Creve Coeur. Quoting even small variations in coverage limits may result in large price differences. Just keep in mind that comparing more company's prices gives you a better chance of getting the best rates.

Final considerations

In this article, we presented some good ideas how you can get a better price on auto insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the best prices are with a small local company.

Low-cost auto insurance can be found online as well as from independent agents in Creve Coeur, so compare prices from both to have the best chance of lowering rates. There are still a few companies who don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, don't be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.