Free Guide to Saving Money on Mascoutah Car Insurance Online

Having to pay for overpriced car insurance can dwindle your bank account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices on a regular basis since rates are constantly changing. Just because you had the best deal last year you can probably find a better price now. So just ignore everything you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

Buying car insurance in Mascoutah is not that difficult. If you have insurance now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Illinois consumers only need to know the proper methods to get comparison rates online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. Knowing what impacts premium levels enables informed choices that can help you get better car insurance rates.

Tickets mean higher rates - Careful drivers have lower premiums than bad drivers. Even one moving violation can boost insurance rates by as much as thirty percent. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to continue driving.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Men and women tend to get into accidents at about the same rate, but men cause more damage. Men also receive more costly citations such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
Multiple policies with one company can save - Most insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to ensure the best deal.
Your occupation can affect rates - Did you know your job can affect your rates? Occupations like doctors, business owners and financial analysts tend to have higher average rates because of high stress levels and long work hours. Conversely, professions such as pilots, engineers and homemakers receive lower rates.
With age comes lower rates - Young drivers in Illinois are statistically proven to be less responsible when driving so they pay higher car insurance rates. If you've ever had to add a young driver to your car insurance policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
Pay less if you're married - Being married can actually save you money on your policy. Marriage means you're more responsible and it's proven that married drivers get in fewer accidents.

Save big with these discounts

Car insurance companies don't list every available discount very clearly, so here is a list some of the more common as well as the least known savings tricks you should be using. If you're not getting every credit you deserve, you are paying more than you should be.

Good Student Discount - This discount can save 20 to 25%. The discount lasts until age 25.
Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
55 and Retired - If you're over the age of 55, you may qualify for better car insurance rates.
No Accidents - Drivers who don't have accidents can earn big discounts compared to accident-prone drivers.
Defensive Driver - Taking a driver safety course could cut 5% off your bill if your company offers it.
Resident Student - Kids in college who live away from home and do not have a car may qualify for this discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

To choose providers offering car insurance discounts in Illinois, click here to view.

Car insurance ads bend the truth

Consumers can't ignore all the ads for car insurance savings by State Farm and Allstate. All the ads make an identical promise about savings if you switch to their company.

How does each company make the same claim?

Different companies have a preferred profile for the driver that makes them money. An example of a preferred risk could be between 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications receives the best rates and most likely will save when switching.

Potential insureds who fall outside these standards will be charged more money and ends up with business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that much. This is how companies can truthfully claim big savings. That is why you should compare as many rates as you can. It's just too difficult to predict which insurance companies will give you the biggest savings.

Even more information is available at the Illinois Department of Insurance website. Consumers can file complaints about a company, learn about insurance regulations, read consumer alerts, and read industry bulletins.

A tidy conclusion

You just learned some good ideas how you can save on car insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the best prices are with the least-expected company. Some small companies may cover specific market segments cheaper than their larger competitors like .

The cheapest car insurance is available from both online companies and also from your neighborhood Mascoutah agents, so compare prices from both in order to have the best chance of saving money. A few companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, never buy poor coverage just to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that it was a big mistake. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.