Proven Techniques to Save on Kinmundy Car Insurance

No one in their right mind cherishes buying car insurance, especially when the cost is way too high.

You have so many to buy insurance from, and although it's nice to be able to choose, lots of choices makes it harder to compare rates.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The list below includes a few of the "ingredients" that factor into prices.

Special features that cut premiums - Owning a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
Consolidate policies to earn discounts - The majority of car insurance companies provide better rates 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 still a good idea to comparison shop to confirm you are receiving the best rates possible.
Sex matters - Statistics show that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Both sexes tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as reckless driving.
Being married can save on car insurance - Having a spouse actually saves money on your car insurance policy. Having a significant other usually means you are more responsible and statistics show married couples file fewer claims.

Finding Car Insurance in Kinmundy, IL

There are several ways to compare quotes from different Kinmundy insurance companies. One of the best ways to find the cheapest insurance rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

The fastest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quotes for each company you want a rate for. A single form will return price quotes instantly.
Another way to compare rate quotes consists of visiting the website of each company to complete their respective quote request forms. For sake of this example, we'll assume you want to compare , and . To get each rate you have to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Kinmundy, click here.
The hardest method of comparing rate quotes is driving around to different Kinmundy agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. Drivers can find lower rates online and still use a local agent and we'll talk about that later.

It doesn't matter which method you choose, just make absolute certain that you use identical deductibles and coverage limits on every quote you get. If each company quotes different values for each quote you can't possibly determine which rate is truly the best in Kinmundy. Having just a slight variation in coverages may result in large price differences. And when quoting car insurance, remember that comparing more company's prices helps locate better pricing.

Take advantage of discounts

Companies don't always publicize every discount very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance.

Military Discounts - Having a family member in the military can result in better rates.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Accident Forgiveness - Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
Passive Restraints - Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
Paperwork-free - A few companies will give a small break for buying your policy over the internet.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To choose insurance companies with the best car insurance discounts in Illinois, click this link.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim about savings if you move your policy. How does each company make the same claim? It's all in the numbers.

Insurance companies have a certain "appetite" for the right customer that makes them money. For example, a driver they prefer could be between 25 and 40, owns a home, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be quoted a higher premium which leads to business going elsewhere. The ad wording is "customers who switch" not "people who quote" save that kind of money. That is how companies can truthfully advertise the way they do. This emphasizes why you need to get a wide range of price quotes. Because you never know which company will provide you with the cheapest rates.

How to know if you need help

When buying the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's so this has to be addressed. These are some specific questions might point out whether your personal situation would benefit from an agent's advice.

Am I covered when pulling a rental trailer?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Even more information can be found at the Illinois Department of Insurance website. Consumers can view a list of available companies, read consumer alerts, learn about insurance regulations, and get help finding coverage.

Final considerations

When shopping online for car insurance, never reduce coverage to reduce premium. There have been many situations where an insured cut physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Cheaper car insurance is possible from both online companies in addition to many Kinmundy insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.