Free Guide to Saving Money on East Dubuque Auto Insurance Online

No one in their right mind looks forward to paying for auto insurance, particularly when they are paying too much.

Online insurance companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

Take advantage of discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

Multi-car Discount - Insuring more than one vehicle on one policy can get a discount on all vehicles.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Homeowners Savings - Owning a home in East Dubuque can help you save on auto insurance because owning a home demonstrates responsibility.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in big savings.

Listed below are some of the items that factor into premiums.

Lower deductibles cost more - Deductibles for physical damage represent how much money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, collision with an animal, or theft. The more expense the insured has to pay upfront, the lower your rates will be.
Better credit scores mean better rates - A driver's credit score is a big factor in determining your rates. So if your credit score is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers who have poor credit.
Discounts for multiple policies - Most insurers will award you with lower prices to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you're getting this discount it's still a good idea to compare other company rates to confirm you are receiving the best rates possible.
Save money with special equipment - Owning a car with a theft deterrent system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.

How to know if you need help

When it comes to buying coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions might point out whether your personal situation might need an agent's assistance.

Am I covered when driving on a suspended license?
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?
What can I do if my company won't pay a claim?
Does my policy cover my teen driver if they drive my company car?
Is rental equipment covered for theft or damage?
Am I covered when delivering products for my home-based business?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise about savings if you switch your policy. How can each company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a profitable customer might be between the ages of 30 and 50, owns a home, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements must pay more money and ends up with the customer not buying. The ad wording is "customers who switch" not "people who quote" save that kind of money. That is how companies can truthfully make the claims of big savings.

This illustrates why drivers should quote coverage with many companies. It's impossible to know which company will fit your personal profile best.

For more Illinois car insurance information

Additional information can be read on the website for the Illinois Department of Insurance found here. Visitors are able to report car insurance fraud, find out industry alerts, read consumer alerts, and view a list of available companies.

Do the work, save more money

Cheap auto insurance can be found both online in addition to many East Dubuque insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it's not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.