Tightwads Instructions on Saving on Enfield Car Insurance

Scraping up a payment for overpriced car insurance can drain your checking account and make it hard to pay other bills. Doing a price comparison is a smart way to tighten up your finances.

Lots of contend for your business, and because of this it can be hard to compare to find the lowest price

It's important to compare prices on a regular basis due to the fact that insurance rates are constantly changing. Even if you got the lowest rates two years ago you may be paying too much now. Starting right now, ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to find lower rates on car insurance.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Enfield is easy if you know what you're doing. But Illinois consumers do need to know the way companies price online insurance and use this information to your advantage.

Enfield Car Insurance Prices Online

Most major insurance companies such as Allstate and Progressive give price estimates on their websites. Obtaining pricing is quite simple as you simply enter the coverages you want into the quote form. Behind the scenes, the system will obtain your credit score and driving record and returns a price based on these factors. Quoting online streamlines rate comparisons, but having to visit different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to get a lower rate.

A less time-consuming method to find lower prices makes use of a single form to return rates from multiple companies. It's a real time-saver, reduces the work, and makes quoting online a little more enjoyable. As soon as the form is sent, your coverage is rated and you can choose any of the returned quotes.

If a lower price is quoted, it's easy to complete the application and buy the policy. This process takes less than 15 minutes and you will know how your current rates stack up.

In order to find out how much you're overpaying now, click here and complete the simple form. To compare your current rates, we recommend you input coverages and limits just like they are on your policy. This way, you will receive an apples-to-apples comparison based on similar coverages.

How to Lower your Car Insurance Rates

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get much lower annual insurance costs.

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

Multi-policy discounts can save money - Most companies give discounts to insureds who buy several policies from them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money.
Battle of the sexes - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be a windshield shattered by a rock, damage from fire, and burglary. Your deductibles are the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you have to pay, the bigger discount you will receive.
Don't sacrifice liability coverage - Liability insurance is the protection in the event that you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
Safer cars are cheaper to insure - Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
Extra add-on coverages are wasting money - There are many add-on coverages you can purchase when buying car insurance. Coverages like personal injury protection, better glass coverage and additional equipment coverage are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.

More discounts equal less premium

Car insurance is not cheap, but discounts can save money and there are some available that many people don't even know exist. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Accident Waiver - A few companies will forgive one accident without raising rates if you are claim-free for a set time period.
Multi-car Discount - Having more than one vehicle on one policy may reduce the rate for each vehicle.
Club Memberships - Being a member of certain professional organizations could qualify you for a break on your policy.
Low Mileage - Driving fewer miles can earn lower rates on the low mileage vehicles.
Defensive Driver - Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
Save with a New Car - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
Government Employees - Simply working for the federal government could cut as much as 10% off with certain companies.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will cut your premiums.

For a list of providers offering car insurance discounts in Enfield, follow this link.

Much more information about car insurance in Illinois can be found on the website for the Illinois Department of Insurance located here. Visitors are able to read consumer alerts, learn about insurance regulations, report car insurance fraud, and find out which companies have the most complaints.

Do the work, save more money

When buying insurance coverage, never reduce needed coverages to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Budget-conscious car insurance can be found both online as well as from independent agents in Enfield, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

We just presented many ways to lower your car insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as .