How to Get Cheap Lake Villa Auto Insurance

Are you overwhelmed by the sheer number of auto insurance options in Lake Villa? Lot's of other consumers are too. You have so many companies to choose from that it can turn into more work than you anticipated to find the best price.

Comprehensive Lake Villa Auto Insurance Comparison Quotes

The are a couple different ways of comparing rates from auto insurance companies in your area. The recommended way to find the cheapest insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method keeps you from doing separate quote forms for each company you want a rate for. Completing one form gets rate comparisons from many national carriers. It's definitely the quickest method.

A slightly less efficient method to shop for auto insurance online is spending the time to visit the website of each company and fill out their own quote form. For sake of this example, let's assume you want to compare rates from , and . To get each rate you have to spend time on each company's site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Lake Villa, click here.

The least efficient method to get comparison rates is to waste gas driving to insurance agents' offices. Buying insurance online makes this process obsolete unless you prefer the professional advice that only a license agent can provide. You can, however, compare the best prices online but buy from a local insurance agent. We'll cover that shortly.

Whichever way you use, compare identical information for each comparison quote. If each company quotes higher or lower deductibles it will be impossible to determine the lowest rate in Lake Villa. Just a small difference in limits may result in a large different in cost. Just keep in mind that getting more free quotes helps you find the best price.

You have some control over your rates

It's important that you understand some of the elements that help determine the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

The following are a few of the "ingredients" auto insurance companies consider when setting prices.

Optional equipment can affect rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Policy add-ons can waste money - There are a ton of extra coverages that can waste your money when buying auto insurance. Coverages for vanishing deductibles, accident forgiveness and term life insurance are examples of these. These coverages may sound good at first, but if they're wasting money eliminate them to save money.
Where you live - Choosing to live in small towns and rural areas can save you money when talking about auto insurance. City drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents.
The more you drive the more you pay - Driving more miles in a year the higher your rate. Most insurance companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance coverage shows the proper vehicle usage.
Marriage pays dividends - Having a spouse can get you a discount when buying auto insurance. Having a significant other means you're more mature and it's statistically proven that being married results in fewer claims.
How credit affects auto insurance rates - Having a bad credit history is a large factor in calculating your auto insurance rates. If your credit score is not that good, you could be paying less to insure your by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit scores.
Adjust deductibles and save - Your deductibles define the amount you are required to spend if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but lesser-known reductions have to be inquired about before being credited.

Drivers Education - Require your teen driver to successfully complete driver's ed class if it's offered in school.
Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
No Charge for an Accident - Certain companies permit an accident without raising rates if your claims history is clear for a set time period.
Service Members Pay Less - Having a deployed family member may qualify for rate reductions.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it just doesn't work that way. But any discount will bring down the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts in Illinois, follow this link.

More information can be found on the Illinois Department of Insurance website through this link. Visitors are able to view a list of available companies, discover disciplinary actions, and view agent and company licensing information.

Other useful links include this site for auto insurance rates in Illinois and this list of insurance agents in Lake Villa, IL.

Affordable insurance is out there

Consumers change insurance companies for many reasons like extreme rates for teen drivers, delays in responding to claim requests, delays in paying claims and an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

Affordable auto insurance can be purchased both online and also from your neighborhood Lake Villa agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

When you buy insurance online, make sure you don't reduce needed coverages to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.