Quote East Dundee Auto Insurance Prices With These Methods

Finding lower premiums on East Dundee auto insurance is nearly impossible for consumers not familiar with shopping for insurance online. You have so many choices that it can quickly become more work than you anticipated to find the best price in East Dundee.

It's important to compare prices once or twice a year because prices are constantly changing. Even if you got the best price a few years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to eliminate unnecessary coverages and save money.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with big savings.

Listed below are a few of the "ingredients" used by your company to calculate rates.

Being married is a good thing - Having a spouse can actually save you money on auto insurance. It translates into being more mature and statistics show drivers who are married are more cautious.
Special features that cut premiums - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Consolidate policies to earn discounts - Most insurance companies will give a discount to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, it's still a good idea to comparison shop to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
Liability insurance protects assets - Liability insurance will protect you if ever a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be collision with another vehicle, vandalism, and windstorm damage. The deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance.
Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. They both tend to get into accidents in similar percentages, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
Do you need the policy add-ons? - There are many extra bells and whistles that you can buy on your auto insurance policy. Coverages for roadside assistance, towing coverage and additional equipment coverage are some examples. These coverages may sound good initially, but now you might not need them so eliminate them to save money.

Take advantage of discounts

Car insurance companies do not advertise all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.

Homeowners Pay Less - Owning a house in East Dundee can save you money because owning a home is proof that your finances are in order.
Lower Rates for Military - Being deployed with a military unit could mean lower rates.
Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
Organization Discounts - Participating in a qualifying organization may earn a discount on auto insurance.

It's important to note that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck.

To choose companies offering auto insurance discounts in Illinois, click here.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim that you can save if you switch your coverage to them. How does each company make almost identical claims? It's all in the numbers.

All the different companies can use profiling for the type of customer that makes them money. For example, a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save that much money. That's why insurance companies can advertise the way they do. Because of the profiling, you should compare as many rates as you can. It's impossible to know the company that will provide you with the cheapest rates.

More Illinois auto insurance information

Additional detailed information can be found at the Illinois Department of Insurance website. Illinois consumers can get help finding coverage, view a list of available companies, and read consumer alerts.

The best insurance company isn't always the cheapest

Lower-priced auto insurance can be found online as well as from independent agents in East Dundee, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, policy cancellation or even questionable increases in premium. No matter why you want to switch, finding a new auto insurance company is easier than you think.

When shopping online for auto insurance, never buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price.