Tightwads Guide for Saving on Mc Lean Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You are in the same boat as many other Illinois drivers.

Companies like GEICO and Progressive promote their brand names with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices once or twice a year because insurance rates are constantly changing. Even if you got the best rates a few years ago a different company probably has better rates today. You'll find quite a bit of inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to find cheap auto insurance.

How much can you save with discounts?

Companies don't always publicize all their discounts in a way that's easy to find, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.

  • Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for New Cars - Insuring a new car is cheaper due to better safety requirements for new cars.
  • No Accidents - Claim-free drivers pay less as compared to drivers who are more careless.
  • Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.

Keep in mind that most discount credits are not given 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, it just doesn't work that way.

Mc Lean auto insurance comparison

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with big savings.

  • Do men or women drive better? - The statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both have accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Optional equipment can affect rates - Driving a car with a theft deterrent system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Please use or commuting - Driving more miles every year the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Cars and trucks not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage.
  • Do you have a high stress job? - Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, business owners and dentists tend to have the highest average rates due to high stress and lots of time spent at work. Other occupations like farmers, historians and performers receive lower rates.
  • Extra add-on coverages are wasting money - There are a ton of extra bells and whistles that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and term life insurance may be costing you every month. These coverages may sound good initially, but if they're wasting money eliminate the coverages to reduce your premium.
  • Pay less if you're married - Getting married can get you a discount on your policy. It means you're more mature and statistics show drivers who are married are more cautious.
  • Safe vehicles cost less to insure - Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to make an identical promise that you can save after switching to their company. How can each company make almost identical claims? It's all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. A good example of a desirable insured could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can advertise the way they do. Because of the profiling, drivers should get a wide range of price quotes. It is impossible to predict the company that will provide you with the cheapest rates.

More Illinois auto insurance information

Additional detailed information can be read at the Illinois Department of Insurance website. Illinois consumers can learn about insurance regulations, view a list of available companies, file complaints about an insurance agent or broker, and read industry bulletins.

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Affordable insurance is out there

When shopping online for auto insurance, it's a bad idea to skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best price.

Affordable auto insurance can be purchased online and also from your neighborhood Mc Lean agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.