6 Tricks Proven to Slash the Cost of Car Insurance Costs in Litchfield Park

If you've never shopped for car insurance online, it's easy to get confused by the vast number of car insurance companies selling insurance in Litchfield Park.

It's important to price shop coverage periodically since rates are constantly changing. If you had the best deal a couple years back there may be better deals available now. So just forget anything you know (or think you know) about car insurance because we're going to show you the only way to lower your annual insurance bill.

Are you getting all your discounts?

Car insurance companies don't list all their discounts in an easy-to-find place, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Accident Forgiveness - A few companies will forgive one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can get savings up to 30%.
  • No Claims - Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Save with a New Car - Insuring a new car can save up to 30% compared to insuring an older model.
  • Student Driver Training - Require your teen driver to complete a driver education course in high school.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn't work that way.

For a list of companies with the best car insurance discounts in Litchfield Park, click here to view.

Litchfield Park Car Insurance Comparisons

Most major insurance companies such as State Farm, GEICO and Progressive allow you to get coverage price quotes directly from their websites. Getting quotes doesn't take a lot of time as you just type in your personal and coverage information as detailed in the form. Once entered, the system will obtain information on your driving record and credit history and generates pricing information based on many factors.

Quoting online makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information is monotonous and tiresome. But it's very important to compare as many rates as possible in order to find the best price on car insurance.

A more efficient way to compare rates is to use a quote form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. Immediately after you send the form, it is rated and you are able to buy any of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process takes just a few minutes to complete and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you duplicate the insurance coverages as shown on your current policy. This helps ensure you will have an apples-to-apples comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no "best" method to buy coverage. Everyone's situation is a little different.

For instance, these questions may help highlight whether you could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Affordable insurance is out there

Affordable car insurance is definitely available both online in addition to many Litchfield Park insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

We just covered some good ideas how you can get a better price on car insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with some of the lesser-known companies.

People who switch companies do it for a number of reasons such as denial of a claim, poor customer service, high rates after DUI convictions and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.