Buy Low-Cost Fox River Grove Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparison shopping is a smart way to lower your monthly bill.

With so many choices, it can be hard to pick the lowest price company.

It's important to compare prices on a regular basis since insurance rates are constantly changing. If you had the best price a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn one of the easiest ways to eliminate unnecessary coverages and save money.

The purpose of this article is to help educate you on how to effectively get price quotes. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Although Illinois vehicle owners do need to know the way companies determine prices and apply this information to your search.

Save big with these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you complete an application, but less common discounts must be manually applied before they will apply.

Sign Online - Some insurance companies give back up to $50 for buying your policy online.
Own a Home - Owning a house in Fox River Grove may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
Lower Rates for Military - Having a deployed family member can result in better rates.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save up to 5%.
Memberships - Affiliation with a professional or civic organization could qualify you for a break on auto insurance.
More Vehicles More Savings - Insuring multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of companies with the best auto insurance discounts in Illinois, follow this link.

Which Auto Insurance is Cheapest in Fox River Grove, Illinois?

There are several ways of comparing rate quotes from local Fox River Grove auto insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in several different ways.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotes for each company. One form submission will return price quotes instantly.
A less efficient way to get quotes online consists of visiting each individual company website and complete a new quote form. For example, we'll pretend you want comparison quotes from , and . You would have to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Fox River Grove, click here.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples deductibles and coverage limits on every quote. If you compare different values for each quote then you won't be able to make a fair comparison in Fox River Grove. Just a small difference in coverages can result in a big premium difference. Just remember that comparing a large number of companies provides better odds of finding better pricing.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

The list below includes a few of the "ingredients" used by your company to calculate rates.

Your spouse saves you money - Having a spouse actually saves money when buying auto insurance. It translates into being more responsible and statistics show married drivers get in fewer accidents.
Car features impact rates - Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Don't skimp on liability - The liability section of your policy is the protection if ever a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Sex matters - Statistics have proven women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Men and women tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.
Consolidate policies to earn discounts - The majority of companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare rates to verify if the discount is saving money.
Traffic citations inflate rates - Just one moving violation can bump up the cost by as much as thirty percent. Drivers who don't get tickets get better rates than people who have multiple driving citations. Drivers who have severe citations like DUI or reckless driving may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.

Auto insurance ads bend the truth

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to say the same thing about savings if you move your coverage to them. But how can every company say the same thing? It's all in the numbers.

Different companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who fits that profile gets the lowest rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will have to pay higher rates which usually ends up with business not being written. The ads say "customers who switch" not "people who quote" save that much money. This is how companies can truthfully advertise the way they do.

Because of the profiling, drivers must get a wide range of price quotes. It's not possible to predict which insurance companies will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

The cheapest auto insurance is possible on the web as well as from independent agents in Fox River Grove, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

In this article, we covered a lot of tips how to compare auto insurance prices online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like .

Additional information can be found on the website for the Illinois Department of Insurance found here. Illinois drivers can get help finding coverage, view a list of available companies, find out which companies have the most complaints, and learn about insurance regulations.

Additional helpful sites include this site for Illinois auto insurance information and see this list of insurance agents in Fox River Grove.