Buy Cheaper Godfrey Auto Insurance

Expensive auto insurance can empty your checking account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good 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 because prices are constantly changing. If you had the lowest price last year there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to reduce your cost while improving coverage.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Pay less if you're married - Having a wife or husband actually saves money on your policy. It translates into being more mature and it's proven that married drivers get in fewer accidents.
Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Liability insurance protects assets - The liability section of your policy is the protection if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, damage from fire, and burglary. Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. The more you have to pay, the bigger discount you will receive.
Multiple policies with one company can save - The majority of insurers will give a discount to customers who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, you still need to comparison shop to verify if the discount is saving money.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and lower rates for you.

How to Lower Your Auto Insurance Cost in Godfrey, Illinois

Shopping for lower auto insurance rates can take time and effort if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in Godfrey, or you could save time and use the web to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each company then gives them pricing for coverage. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify which providers you want pricing from. So if you want to choose from a list of companies to compare, we have assembled a list of auto insurance companies in Illinois. View list of Illinois insurance companies.

It's up to you which method you use, but ensure you are comparing the exact same deductibles and coverage limits with every price quote. If you use different values for each quote it's impossible to find the best deal in Godfrey. Quoting even small variations in limits can result in a big premium difference. Just remember that comparing a large number of companies will enable you to find better pricing.

Don't pay full price with these discounts

Companies offering auto insurance don't necessarily list all their discounts in an easy-to-find place, so we researched both well-publicized as well as the least known savings tricks you should be using.

Sign Online - A few companies will discount your bill up to fifty bucks just for signing your application on their website.
Own a Home - Owning a house in Godfrey can help you save on auto insurance because of the fact that having a home shows financial diligence.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
Organization Discounts - Participating in certain professional organizations is a good way to get lower rates on auto insurance.
More Vehicles More Savings - Having multiple cars or trucks with the same company may reduce the rate for each vehicle.

It's important to note that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.

To choose companies with the best auto insurance discounts in Godfrey, click here to view.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to make an identical promise that you can save if you move your coverage to them. How do they all make almost identical claims?

Insurance companies have a preferred profile for the type of customer that makes them money. For instance, a desirable insured could possibly be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how insurance companies can claim big savings. Because of the profiling, you need to get a wide range of price quotes. It's impossible to know which insurance companies will give you the biggest savings.

Additional detailed information is located at the Illinois Department of Insurance website. Illinois consumers can get help finding coverage, view a list of available companies, find out which companies have the most complaints, and report car insurance fraud.

The best insurance company isn't always the cheapest

Lower-priced auto insurance is possible online as well as from independent agents in Godfrey, and you need to price shop both to have the best rate selection. A few companies don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy a smart amount of coverage at a price you can afford.