Easy Methods to Save Money on Fairbury Car Insurance

Are you overwhelmed by the wide range of car insurance choices in Fairbury? Lot's of other consumers are too. Drivers have so many options available that it can turn into a real hassle to locate the lowest price.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Locating the lowest cost protection in Fairbury can be fairly easy. Although Illinois car owners do need to know how the larger insurance companies sell online.

Take advantage of discounts

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

Drivers Ed for Students - Have your child successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Homeowners Discount - Simply owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Military Rewards - Being on active duty in the military may qualify for rate reductions.
Early Switch Discount - Some insurance companies reward drivers for switching to them before your current expiration date. It's a savings of about 10%.
Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of insurance companies who offer car insurance discounts in Fairbury, click here to view.

Compare the Market for Car Insurance in Fairbury

There are several ways to compare quotes from car insurance companies in your area. The best method to find the cheapest insurance rates is to perform an online rate comparison. This can be done in several different ways.

The best way to get quotes is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate quotes for each company. Completing one form gets you price quotes instantly. It's the fastest way to compare.
Another way to compare rate quotes requires visiting the website of each company to complete a price quote. For instance, let's assume you want to compare rates from , and . You would have to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in Fairbury, click here.

It's up to you which method you use, but compare exactly the same quote information with each company. If you use mixed coverages it will be impossible to make an equal comparison in Fairbury. Quoting even small variations in coverages can make a big difference in price. Just keep in mind that quoting more will increase your chances of finding the best offered rates.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to better car insurance rates.

Save money with special equipment - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
Extra coverages can waste money - There are a ton of extra coverages that can waste your money on your policy. Insurance for roadside assistance, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate the coverages to reduce your premium.
Pay less if you're married - Getting married can get you a discount on your policy. Having a significant other is viewed as being more responsible and it's proven that being married results in fewer claims.
Safer cars cost less to insure - Safer cars can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
Performance influences rates - The performance level of the vehicle you are buying insurance for makes a big difference in the rate you pay. Small economy passenger models usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
Better credit means lower rates - Having a bad credit history is a important factor in calculating your car insurance rates. So if your credit rating is not that good, you could pay less to insure your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
You might want pay the small claims yourself - If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Companies in Illinois award cheaper rates to insureds who file claims infrequently. Car insurance is meant to be used in the event of the large, substantial claims.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise about savings after switching to them. How can each company make the same claim?

Different companies are able to cherry pick for the type of driver that is profitable for them. A good example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. A customer who meets those qualifications is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will be quoted more money and ends up with business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save money. That's the way companies can truthfully advertise the way they do.

This emphasizes why drivers must get quotes from several different companies. Because you never know which car insurance company will provide you with the cheapest rates.

Shop smart and save

People change insurance companies for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, an unsatisfactory settlement offer or unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is actually quite simple.

The cheapest car insurance can be sourced from both online companies and with local Fairbury insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

We just showed you some good ideas how you can compare car insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from a small local company.

Additional information can be read on the Illinois Department of Insurance website located here. Consumers can view a list of available companies, discover disciplinary actions, and get help finding coverage.