Tightwads Tips for Saving on Jonesboro Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you there are many Jonesboro consumers feeling the pinch from expensive auto insurance.

You have multiple to buy insurance from, and although it's a good thing to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons every six months because prices are constantly changing. Despite the fact that you may have had the best deal six months ago there may be better deals available now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to remove unneeded coverages and save money.

Finding affordable coverage in Jonesboro is easy if you know what you're doing. If you are paying for car insurance now, you will most likely be able to save some money using this information. But Illinois drivers do need to know the way insurance companies compete online and take advantage of how the system works.

Illinois auto insurance

Be sure to get all your discounts

Car insurance companies don't necessarily list every available discount very clearly, so here is a list both well-publicized and the more hidden savings tricks you should be using.

  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Resident Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Save over 55 - Older drivers may be able to get reduced rates.
  • Multi-policy Discount - When you have multiple policies with one company you may save approximately 10% to 15%.
  • Driver Safety - Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Club Memberships - Participating in a qualifying organization is a good way to get lower rates on your policy.
  • Drivers Education - Require your teen driver to take driver's ed class if it's offered in school.

Consumers should know that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

For a list of providers who offer auto insurance discounts in Illinois, click here to view.

How to Compare Auto Insurance in Jonesboro, Illinois

There are several ways to compare auto insurance prices but some are less time-consuming than others. You can waste hours driving to insurance agencies in Jonesboro, or you can utilize the internet to quickly compare rates.

Most car insurance companies take part in a program that allows shoppers to send in one quote, and every company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is you are unable to specify the companies you will receive quotes from. If you prefer to choose specific insurance companies to compare rates, we have a page of low cost auto insurance companies in Illinois. Click to view list.

It's your choice how you get your quotes, but ensure you are comparing identical coverage information for every company. If each company quotes unequal deductibles or liability limits it will be impossible to decipher which rate is best in Jonesboro. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just remember that more quotes helps locate the best offered rates.

Shop smart and save

You just read many tips how you can get a better price on auto insurance. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. Drivers may discover the best price on auto insurance is with an unexpected company. These companies may often insure only within specific states and give getter rates compared to the large companies like .

Discount auto insurance can be bought online and with local Jonesboro insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, it's very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.