Best Way to Find Cheap Erie Car Insurance

Are you intimidated by the wide range of car insurance choices in Erie? Lot's of other consumers are too. People have so many choices that it can turn into a ton of work to compare prices.

It's important to get comparison quotes every six months since rates are constantly changing. Just because you had the best rates last year you will most likely find a better rate today. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to put money back in your pocket.

Buying car insurance in Erie is quite easy. If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Illinois drivers only need an understanding of the tricks to get comparison quotes online.

Take advantage of discounts

Companies offering auto insurance don't always publicize every available discount very clearly, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance. If you're not getting every credit possible, you are throwing money away.

  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Homeowners Discount - Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • No Charge for an Accident - Certain companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Multi-policy Discount - If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with certain companies.
  • Early Signing - Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.

Consumers should know that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

Erie car insurance quote

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements that promise big savings from companies such as Allstate and Progressive. All the ads make the same claim of big savings if you switch your policy.

How does each company make the same claim? This is how they do it.

All the different companies are able to cherry pick for the right customer that earns them a profit. A good example of a preferred risk could be over the age of 50, has no driving citations, and has great credit. Any new insured who matches those parameters gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will be charged a higher premium which leads to business going elsewhere. The ads say "drivers who switch" not "people who quote" save that kind of money. That's the way insurance companies can confidently advertise the savings. That is why you should get as many quotes as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

Learn more about Illinois car insurance

More tips and info about car insurance can be read at the Illinois Department of Insurance website. Consumers can read consumer alerts, report car insurance fraud, and file complaints about a company.

In the end, you save

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cost effective car insurance is available from both online companies in addition to many Erie insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

You just learned some good ideas how to reduce car insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from a lesser-known regional company.