Compare Loves Park Auto Insurance Prices With These Methods

Are you intimidated by the crazy number of auto insurance companies in Loves Park? Many other drivers are as well. There are so many options available that it can turn into a challenge to locate the lowest price.

It's important to take a look at other company's rates every six months because prices are constantly changing. Even if you think you had the best price a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you're about to find out how to quote online to find great coverage at a great price.

Don't pay full price with these discounts

Companies don't list every available discount in a way that's easy to find, so we took the time to find both well-publicized and the more hidden auto insurance savings. If you aren't receiving every discount possible, you're paying more than you need to.

  • Theft Prevention System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Memberships - Participating in a civic or occupational organization could qualify you for a break on your policy.
  • Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
  • No Accidents - Drivers with accident-free driving histories can save substantially compared to bad drivers.
  • Multiple Cars - Having all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, auto insurance companies aren't that generous.

To see a list of providers with discount auto insurance rates in Loves Park, follow this link.

Loves Park auto insurance quote

How to Compare Auto Insurance Quotes in Loves Park, Illinois

There are multiple methods to compare auto insurance prices but there is one way that is less time-consuming than others. You can waste a lot of time talking to agents in Loves Park, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that enables customers to send in one quote, and every company can give them a price for coverage. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one downside to using this type of form is that you can't choose which carriers you want to price. If you prefer to choose specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in Illinois. Click here to view list.

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverage limits for every company. If you use differing limits it will be next to impossible to decipher which rate is best in Loves Park.

Loves Park Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that can help you get big savings.

Shown below are a few of the "ingredients" auto insurance companies consider when setting your rates.

  • Consolidate policies to earn discounts - Some companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to compare rates to ensure the best deal. Drivers may still find a better deal by insuring with multiple companies.
  • Liability coverage protects you - Your policy's liability coverage provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Higher safety ratings means cheaper insurance - Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders.
  • Your stress level may be raising your rates - Occupations like lawyers, architects and dentists tend to have the highest average rates attributed to high stress levels and lots of time spent at work. Other jobs such as actors, historians and retirees receive lower rates.
  • Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. Your deductibles are the amount of money you are willing to pay out-of-pocket before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
  • Mature drivers pay less - Older insureds tend to be more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers have a tendency to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.

The auto insurance bait and switch

Illinois consumers can't get away from ads that promise big savings by Allstate and Progressive. All the ads say the same thing about savings if you change to their company.

How can each company make almost identical claims?

All the different companies are able to cherry pick for the driver that is profitable for them. For example, a preferred risk could possibly be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money which usually ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the way they do. That is why drivers must get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

In the end, you save

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Cheap auto insurance is attainable online and also from your neighborhood Loves Park agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Consumers leave their current company for many reasons like policy cancellation, questionable increases in premium, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason, finding the right auto insurance provider is actually quite simple.

Learn more about Illinois auto insurance

Even more information can be found at the Illinois Department of Insurance website. Illinois consumers can read consumer alerts, find out which companies have the most complaints, and find disaster information.