Consumer Tested Strategies to Save on Hoyleton Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say many Hoyleton consumers feel financially strained by their car insurance policy. Drivers have so many to pick from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

Shopping for the cheapest car insurance coverage in Hoyleton is easy if you know what you're doing. If you are insured now or need new coverage, you can follow these tips to find the best rates and still get good coverage. Illinois consumers only need to know the proper methods to get comparison rates online.

Save big with these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit. If you're not getting every credit possible, you're paying more than you need to.

Memberships - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save up to 5%.
Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
More Vehicles More Savings - Insuring multiple cars or trucks on the same car insurance policy qualifies for this discount.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Paperless Signup - Certain companies will give a small break for buying your policy over the internet.
Homeowners Discount - Owning a home in Hoyleton may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

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

How to Compare Car Insurance Quotes in Hoyleton, Illinois

Finding cheaper car insurance prices isn't really that difficult. You just have to spend a little time comparing price quotes online with multiple companies. This can be done in a couple of different ways.

The best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method eliminates the need for boring form submissions for every car insurance company. Filling out one form will return price quotes from all major companies.
Another way to get quotes online consists of visiting each individual company website and fill out their own quote form. For examples sake, let's assume you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Hoyleton, click here.

Which method you use is up to you, but ensure you are comparing identical deductibles and coverage limits for every quote you compare. If the quotes have different values for each quote it will be very difficult to determine the best price in Hoyleton.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating your car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

Don't skimp on liability - The liability section of your policy provides coverage if you are found to be at fault for personal injury or accident damage. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
How's your driving record? - Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers who don't get tickets tend to pay less for car insurance than people who have multiple driving citations. Just one moving violation can bump up the cost forty percent or more. Drivers with severe tickets like DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
Do you know your deductibles? - Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more you have to pay, the less your car insurance will be.
Do you qualify for a multi-policy discount? - The majority of companies will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to verify if the discount is saving money. Consumers may find a better deal by insuring with multiple companies.
Marriage brings a discount - Having a wife or husband actually saves money when buying car insurance. Having a spouse translates into being more responsible it has been statistically shown that being married results in fewer claims.

Car insurance ads bend the truth

Consumers can't get away from ads that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies say the same thing about savings if you move your coverage to them.

How does each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that is profitable for them. For instance, a profitable customer could be between 30 and 50, has no driving citations, and has a high credit rating. A customer who fits that profile will get the preferred rates and most likely will save when switching.

Potential customers who fall outside these standards must pay higher prices which usually ends up with business going elsewhere. The ads state "drivers who switch" not "people who quote" save that much money. That's the way companies can truthfully state the savings.

This illustrates why drivers must get quotes from several different companies. Because you never know which car insurance company will have the lowest rates.

Best coverage at the best price

The cheapest car insurance is possible from both online companies as well as from independent agents in Hoyleton, so compare prices from both so you have a total pricing picture. Some insurance companies don't offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We just showed you a lot of information how to compare car insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than their larger competitors like .

Learn more about Illinois car insurance

Additional information is located on the website for the Illinois Department of Insurance. Click here for link. Consumers can find out which companies have the most complaints, view a list of available companies, file complaints about a company, and report car insurance fraud.

Additional helpful sites include this link for Illinois car insurance quotes and this link which helps you find a Hoyleton agent.