Buy Cheap Litchfield Auto Insurance

Having to pay for overpriced auto insurance can empty your savings account and put the squeeze on your family's finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

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

It's important to price shop coverage on a regular basis since insurance rates are constantly changing. Just because you found the best deal on your last policy the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because it's time to teach you the proper way to lower your annual insurance bill.

Buying affordable auto insurance in Litchfield is simple if you know the tricks. Just about anyone who has to buy auto insurance stands a good chance to be able to save money. Nevertheless, Illinois vehicle owners do need to know the way insurance companies sell online and take advantage of how the system works.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be inquired about prior to getting the savings.

  • College Student - Children who live away from home and don't have a car can be insured at a reduced rate.
  • Sign Online - Certain companies give back up to $50 simply for signing over the internet.
  • Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Own a Home - Owning a house in Litchfield may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • No Claims - Drivers who don't have accidents can earn big discounts as compared to bad drivers.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • New Vehicle Savings - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

Consumers should know that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will bring down the cost of coverage.

To see a list of companies with discount auto insurance rates in Illinois, follow this link.

Litchfield auto insurance comparison

Auto Insurance Prices in Litchfield, Illinois

Most companies like Progressive, GEICO, Allstate and State Farm quote coverage price quotes online. Getting online quotes doesn't take a lot of time as you just type in the coverages you want as detailed in the form. Once you submit the form, their system will obtain your driving and credit reports and generates pricing information determined by many factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit each company's website and repetitively enter the same data into a form can be a bit repetitive. But it's very important to do this if you are searching for the best price on auto insurance.

There is an easier way!

The preferred way to find lower prices requires only one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much more enjoyable and efficient. After sending your information, it is quoted with multiple companies and you can pick any one of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. It only takes a few minutes and may result in a nice savings.

To quickly 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 replicate deductibles and limits identical to your current policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

  • Mature drivers pay less - Teenage drivers in Illinois have a tendency to be more careless when driving so they pay higher auto insurance rates. Parents adding a young driver onto your auto insurance can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Marriage brings a discount - Being married helps lower the price when buying auto insurance. It usually means you are more mature and responsible and it's statistically proven that married drivers get in fewer accidents.
  • Protect your assets with liability insurance - Your policy's liability coverage is the protection if ever a jury decides you are liable for damages caused by your negligence. Liability provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the bigger discount you will receive.
  • Do you work long hours in a high stress job? - Jobs such as doctors, architects and financial analysts are shown to have higher average rates attributed to job stress and lengthy work days. Conversely, occupations such as pilots, engineers and retirees pay the least.
  • Equipment add-ons that lower auto insurance rates - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all seem to say the same thing of big savings if you change your policy. How does each company say the same thing?

All companies have a preferred profile for the right customer that is profitable for them. An example of a desirable insured might be profiled as a mature driver, insures multiple vehicles, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with business not being written. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can confidently advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. It's not possible to predict which insurance companies will fit your personal profile best.

Final considerations

When you buy insurance online, never reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate.

Cost effective auto insurance can be sourced on the web in addition to many Litchfield insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Additional auto insurance information is available on the website for the Illinois Department of Insurance through this link. Illinois drivers can read enforcement actions against agents and companies, get help finding coverage, find out which companies have the most complaints, and report car insurance fraud.