Tightwads Guide to Saving on Gridley Auto Insurance

Nobody likes having to buy auto insurance, in particular when they are paying too much.

Since consumers have many different company options, it is hard for the average consumer to pick the lowest cost car insurance company.

It's important to compare prices occasionally because prices are constantly changing. If you had the best deal a few years ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Finding Auto Insurance in Gridley, IL

The are a couple different ways of comparing price quotes from different Gridley insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method saves time by eliminating repetitive form entry to each individual auto insurance company. A single form gets you coverage quotes direct from many companies.
A more difficult way to shop for auto insurance online consists of going to each individual company website to complete a price quote. For example, let's assume you want to compare , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in Gridley, click here.
The least efficient method of comparing rate quotes is to waste gas driving to local Gridley insurance agencies. Buying insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed Gridley agents. You can, however, get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverages with each company. If you have different limits and deductibles on each one then you won't be able to make an equal comparison in Gridley. Just a small difference in coverages may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes provides better odds of finding lower pricing.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Bundle and Save - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
Homeowners Savings - Owning a house in Gridley may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

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

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. For example, these questions might point out whether your personal situation might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?
Are there companies who specialize in insuring high-risk drivers?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

For more Illinois car insurance information

Additional information is available on the website for the Illinois Department of Insurance found here. Illinois consumers can learn about insurance regulations, read consumer alerts, download brochures, and find out which companies have the most complaints.

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