How to Know You're Throwing Money Away for Auto Insurance in Justice

Have you had enough of not being able to afford each month for car insurance? You are in the same boat as many other drivers in Illinois. Popular companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or are looking for a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Finding affordable coverage in Justice is quite easy. Illinois drivers only need an understanding of the tricks to compare company rates online.

How to Compare Auto Insurance Costs in Justice

Comparing auto insurance rates is a ton of work if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Justice, or you can utilize the web to get rates in a matter of minutes.

All the larger companies take part in a program that allows shoppers to submit one quote, and each company provides a quote based on that information. This eliminates the need for quote forms to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is you don't know exactly which companies to get quotes from. So if you want to select specific providers to receive pricing from, we have a listing of low cost auto insurance companies in Illinois. Click here for list of insurance companies in Illinois.

Whichever way you use, double check that you are using exactly the same coverage limits and deductibles for every quote you compare. If the quotes have different liability limits it will be impossible to determine the best price in Justice.

Why some people pay less for insurance in Justice

It's important that you understand some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

Frequent auto insurance claims increase rates - Companies in Illinois provide cheaper rates to policyholders who file claims infrequently. If you file claims often, you can expect either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
Your car's features help determine rates - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
Bundling policies can get discounts - Most companies provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to shop around to make sure you are getting the best deal. You may still be able to find better rates by buying auto insurance from a different company.
Low deductibles can be expensive - Your deductibles define the amount you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The higher the amount you're willing to pay, the less your company will charge you for insurance.
Drive a safer car and pay less - Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Protect your assets with liability insurance - Liability insurance will protect you when a court rules you are at fault for damages from an accident. It provides for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
Don't buy coverages you don't need - There are many extra bells and whistles that can waste your money on your auto insurance policy. Insurance for vanishing deductibles, accident forgiveness and motor club memberships are examples of these. They may seem good at first, but if you don't need them eliminate the coverages to reduce your premium.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you may find discounts that many people don't even know exist. Some discounts apply automatically at the time of purchase, but less common discounts must be asked for prior to receiving the credit. If you aren't receiving every discount available, you're just leaving money on the table.

Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in school.
Military Rewards - Having a deployed family member could mean lower rates.
Anti-theft Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Payment Discounts - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
Good Students Pay Less - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
Defensive Driver - Completing a course in driver safety could save 5% or more depending on where you live.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Justice, follow this link.

Additional auto insurance information can be found on the website for the Illinois Department of Insurance through this link. Illinois consumers can download brochures, view a list of available companies, read consumer alerts, and report car insurance fraud.

Best coverage at the best price

As you prepare to switch companies, it's not a good idea to reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Cost effective auto insurance can be found online and with local Justice insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.