Free Guide to Spending Less for Delavan Auto Insurance Online

I can't think of anyone who enjoys paying for auto insurance, in particular when they are paying too much. Because there are so many companies and agents to choose from, it's nearly impossible to locate the lowest price insurance company.

It's important to take a look at other company's rates occasionally because insurance rates are constantly changing. If you had the best deal last year you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because you're about to learn the only way to reduce your cost while increasing coverage.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked for prior to getting the savings. If you don't get every credit you qualify for, you are throwing money away.

Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Service Members Pay Less - Being deployed with a military unit can result in better rates.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
Defensive Driving Course - Completing a course in driver safety can save you 5% or more if you qualify.

Keep in mind that some credits don't apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn't work that way. But any discount will help reduce your premiums.

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if you might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Delavan?
Should I put collision coverage on all my vehicles?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and may give you better protection.

Switch companies and save? Really?

Illinois consumers get pounded daily by advertisements for cheaper car insurance by Allstate and Progressive. All the ads have a common claim that you can save if you move to their company.

But how can every company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. An example of a preferred risk could possibly be between the ages of 30 and 50, owns a home, and drives newer vehicles. A driver that hits that "sweet spot" receives the best rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That is how insurance companies can claim big savings.

That is why you should get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings.

More information is available on the website for the Illinois Department of Insurance. Click here for link. Illinois consumers can find out industry alerts, read consumer alerts, find disaster information, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this directory of Delavan insurance agents.

A tidy conclusion

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Affordable auto insurance is possible online and also from your neighborhood Delavan agents, and you should compare price quotes from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.