Best Way to Find Cheap Lombard Auto Insurance

If online auto insurance comparisons are new to you, you may be overwhelmed due to the large number of auto insurance companies offering insurance in Lombard.

It's important to take a look at other company's rates periodically because insurance rates are constantly changing. Despite the fact that you may have had the best rates a few years ago you may be paying too much now. There is too much inaccurate information about auto insurance online but we're going to give you some great ways to slash your auto insurance rates.

How to Get Lombard Auto Insurance Comparison Quotes

Getting better auto insurance pricing can be quick and easy. Consumers just need to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

The first (and easiest) way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotes to each individual auto insurance company. Just one form will get you rate comparisons instantly. Recommended for those who want to invest the least amount of time.

A less efficient way to shop for auto insurance online requires you to visit the website for each individual company to complete their respective quote request forms. For sake of this example, let's say you want to compare , and . To find out each rate you need 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 Lombard, click here.

Which method you use is up to you, but be sure to compare identical coverage information on every quote you get. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best in Lombard.

Lombard Rates are Influenced by These Factors

It's important that you understand some of the elements that help determine the price you pay for auto insurance. Knowing what influences your rates enables informed choices that can help you get big savings.

The following are some of the items auto insurance companies consider when setting your rates.

Credit scores impact auto insurance rates - Your credit history is a large factor in determining your rates. If your credit history 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.
Traffic violations increase rates - Even a single ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Older drivers save more - Teen drivers in Illinois are known to be less responsible behind the wheel so they pay higher auto insurance rates. Adding a teenage driver to your auto insurance policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and are safer drivers.
Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. They both have accidents at a similar rate, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.

Policy discounts you shouldn't miss

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you quote, but some may not be applied and must be manually applied prior to getting the savings. If you're not getting every credit you qualify for, you're just leaving money on the table.

Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Resident Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Save over 55 - Older drivers may be able to get better auto insurance rates.
Driver Safety - Taking part in a course in driver safety can save you 5% or more depending on where you live.

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down the amount you have to pay.

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

Insurance agents can help

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Illinois?
Why does it cost so much to insure a teen driver in Lombard?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?
What are Illinois no-fault laws?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can provide invaluable advice.

More information can be read on the Illinois Department of Insurance website through this link. Illinois consumers can find out industry alerts, file complaints about a company, and read enforcement actions against agents and companies.

Best coverage at the best price

When shopping online for auto insurance, it's very important that you do not reduce needed coverages to save money. Too many times, someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

In this article, we presented a lot of information how to lower your auto insurance rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising.

Affordable auto insurance can be bought online and also from your neighborhood Lombard agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.