Free Guide to Paying Less for Elizabeth Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you're not the only one.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons at least once a year because prices are constantly changing. Even if you think you had the best deal a couple years back there may be better deals available now. So block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to remove unneeded coverages and save money.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but some must be asked about in order for you to get them.

  • Sign Online - Certain companies may give you up to $50 just for signing your application digitally online.
  • Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.

It's important to note that most credits do not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck. But any discount will reduce the amount you have to pay.

For a list of companies with discount auto insurance rates in Elizabeth, follow this link.

How to Compare Elizabeth Auto Insurance Costs

Performing a rate comparison can take hours if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Elizabeth, or you could use online quotes to get rates in a matter of minutes.

Most car insurance companies take part in a program that allows shoppers to submit one quote, and every company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is buyers cannot specifically choose the companies you want pricing from. So if you want to select specific providers to request quotes from, we have assembled a list of companies who write auto insurance in Illinois. Click here to view list.

It doesn't matter which method you choose, just compare exactly the same coverage limits for every company. If you enter differing limits then you won't be able to decipher which rate is best in Elizabeth. Just a small difference in limits can mean a large discrepancy in price. Just keep in mind that more quotes will increase your chances of finding better pricing.

Do the work, save more money

Lower-priced auto insurance is attainable both online and with local Elizabeth insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best price.