Frankfort Auto Insurance For Less Than You're Paying Now

Finding the lowest price for Frankfort auto insurance can be difficult if you have never used online quoting. But don't be discouraged because comparing prices is actually very simple.

It's important to compare rates periodically since insurance rates are constantly changing. Just because you found the best rates a few years ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to quit paying high auto insurance rates.

Locating affordable protection in Frankfort can be fairly easy. If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Illinois vehicle owners just need to know the tricks to compare prices over the internet.

You have some control over your rates

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

Your location is important - Living in a rural area can be a good thing when buying auto insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Lower population translates into fewer accidents and a lower car theft rate.
A clean driving record saves money - Just one ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men have accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Consolidate policies to earn discounts - Many insurers will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's in your best interest to comparison shop to ensure the best deal.

How much can you save with discounts?

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Some discounts apply automatically at quote time, but some may not be applied and must be manually applied in order for you to get them. If you don't get every credit you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
Good Student - This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Accident Forgiveness - Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
Federal Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
College Student - Kids in college living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.
Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Driver's Ed - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.

Consumers should know that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it's possible to get free car insurance, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

To choose companies who offer auto insurance discounts in Illinois, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Illinois drivers can't ignore all the ads for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise that you'll save big after switching to their company.

But how can every company say the same thing? This is how they do it.

All companies have a certain "appetite" for the driver that makes them money. A good example of a desirable insured might be profiled as over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money and ends up with business not being written. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can advertise the way they do.

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

How much car insurance do I need?

When buying coverage for your vehicles, there really is no single plan that fits everyone. Everyone's situation is unique.

For example, these questions may help highlight if your insurance needs may require specific advice.

What are the best liability limits?
Do I need to file an SR-22 for a DUI in Illinois?
Does my policy cover me when driving someone else's vehicle?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?

If you're not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Much more information about auto insurance in Illinois can be read on the Illinois Department of Insurance website. Click here for link. Illinois drivers can view agent and company licensing information, file complaints about a company, and learn about insurance regulations.

Other informative sites include Wikipedia and this Frankfort agent directory.

A tidy conclusion

When shopping online for auto insurance, do not buy poor coverage just to save money. In many instances, someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price.

Throughout this article, we presented many tips how you can save on auto insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a smaller regional carrier.

Discount auto insurance can be sourced on the web and also from your neighborhood Frankfort agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.