Free Guide to Paying Less for Maple Park Car Insurance Online

Have you had enough of being strong-armed each month for car insurance? You are no different than most other car owners in Illinois.

Numerous battle for your business, so it's not easy to compare every and uncover the absolute lowest price

It's important to take a look at other company's rates once or twice a year because rates are constantly changing. Despite the fact that you may have had the best price two years ago you can probably find a better price now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the best ways to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Maple Park is quite easy. Nevertheless, Illinois car owners do need to know the way companies compete online and apply this information to your search.

Maple Park Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that help determine your car insurance rates. Understanding what determines base rates enables informed choices that may reward you with big savings.

The following are a few of the "ingredients" car insurance companies consider when setting rates.

Men pay higher rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high car insurance rates.
Your car's features help determine rates - Driving a car with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
With age comes lower rates - Mature drivers are viewed as being more responsible, file fewer claims and are safer drivers. Young drivers are known to get distracted easily in a vehicle therefore car insurance rates are much higher.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, vandalism, or theft. The deductibles are how much you are required to spend before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
How's your driving record? - Your driving citation history impacts your car insurance rates tremendously. Careful drivers get better rates compared to drivers with tickets. Even a single citation can boost insurance rates by twenty percent. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
High numbers of claims are not good - If you file claims often, you can definitely plan on higher rates. Car insurance companies in Illinois generally give better rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
Extra add-on coverages are wasting money - There are a ton of extra bells and whistles that you can buy on your policy. Coverages like vanishing deductibles, towing coverage and term life insurance are some examples. They may seem good initially, but if they're wasting money get rid of them and save.

Be sure to get all your discounts

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.

55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Homeowners Pay Less - Owning a house in Maple Park can save you money due to the fact that maintaining a home is proof that your finances are in order.
Student Driver Training - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Driver Safety - Taking part in a driver safety course could save 5% or more if your company offers it.
Passive Restraints - Factory air bags can get savings of up to 25% or more.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

Consumers should know that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies don't profit that way.

To choose companies who offer car insurance discounts in Maple Park, click here.

Is there truth in advertising?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim of big savings after switching to their company. How do they all make the same claim? It's all in the numbers.

All the different companies can use profiling for the driver that makes them money. For example, a desirable insured could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. A customer that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay higher prices and this can result in business going elsewhere. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently state the savings. Because of the profiling, you should get quotes from several different companies. Because you never know the company that will give you the biggest savings.

More Illinois car insurance information

More tips and info about car insurance can be found at the Illinois Department of Insurance website. Consumers can learn about insurance regulations, view a list of available companies, read enforcement actions against agents and companies, and report car insurance fraud.

Affordable insurance is out there

When buying insurance coverage, never buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price.

Cost effective car insurance can be bought from both online companies and also from your neighborhood Maple Park agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.