Tightwads Tips for Saving on Le Roy Auto Insurance

I can't think of anyone who likes having to buy auto insurance, in particular when the price is too high. There is such a variety of to pick from, and although it's nice to have a selection, so many choices can make it hard to compare rates.

It's important to get comparison quotes occasionally because prices are constantly changing. Even if you got the best deal a couple years back you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to save on auto insurance.

Buying the cheapest protection in Le Roy is simple if you know the tricks. If you have a current auto insurance policy or need a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Illinois vehicle owners just need to know the proper methods to buy auto insurance over the internet.

Automobile Insurance Quotes in Le Roy, IL

Most companies like GEICO, State Farm and Progressive give insurance quotes on the web. This process doesn't take much effort as you just type in your coverage preferences as detailed in the form. When the form is submitted, the company's rating system will obtain reports for credit and driving violations and generates a price based on these and other factors. This makes it a lot easier to compare rates but the time required to go to several different sites and type in the same information gets old quite quickly. But it's very important to have as many quotes as possible in order to get the best price on auto insurance.

The easy way to compare rates

A quicker way to get multiple rate quotes uses one form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online price comparison much simpler. Immediately after you send the form, your coverage is rated and you can select any one of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have a policy now, it's recommended you complete the form with your coverages just like they are on your policy. This ensures you're receiving comparison quotes for similar insurance coverage.

Are you getting all your discounts?

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but some must be asked about before you will receive the discount. If you're not getting every credit you qualify for, you're paying more than you need to.

Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Memberships - Participating in a qualifying organization may earn a discount on auto insurance.
Save over 55 - Mature drivers may be able to get a discount up to 10%.
Driver Safety - Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Discount for New Cars - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Drivers Education - Have your child complete a driver education course if it's offered in school.
Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

To see a list of companies who offer auto insurance discounts in Illinois, click here.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is unique and your policy should reflect that. For instance, these questions might point out whether you might need professional guidance.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Do I qualify for additional discounts?
Why am I required to get a high-risk car insurance policy?
Should I buy additional glass protection?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

For more Illinois car insurance information

Much more information about auto insurance in Illinois is available on the website for the Illinois Department of Insurance. Click here for link. Illinois consumers can view agent and company licensing information, find out industry alerts, file complaints about an insurance agent or broker, and read industry bulletins.

Additional helpful sites include Wikipedia and this Le Roy agent directory.