Getting Cheaper Montgomery Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

Lots of contend for your insurance dollar, so it can be very hard to choose a to get the lowest rate

Tips to Get Lower Montgomery Rates

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

Liability coverage protects you - Liability coverage provides coverage if a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Do you know your deductibles? - Deductibles for physical damage represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more money you have to pay, the less your auto insurance will be.
Men pay higher rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men are in accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
Better crash test results mean better rates - Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, business owners and accountants have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations such as actors, athletes and performers get better rates.
Save money with special equipment - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.

How to Compare Auto Insurance in Montgomery, Illinois

All major auto insurance companies such as Allstate, GEICO and Progressive provide coverage price quotes online. Getting online quotes is fairly simple as you just enter the coverages you want as detailed in the form. After the form is submitted, their system will obtain information on your driving record and credit history and provides a quote. Online price quotes streamlines rate comparisons, but the work required to visit each company's website and repetitively fill out multiple forms can get tiresome after awhile. But it's very important to perform this step if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to lower your rates requires only one form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes price shopping online much easier. Once the form is submitted, it gets priced and you can select any of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

To quickly find out if lower rates are available, click here to open in new window and fill out the form. If you have a policy now, it's recommended you enter the insurance coverages identical to your current policy. This makes sure you will get comparison quotes for the exact same coverage.

Are you getting all your discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be requested specifically before you will receive the discount.

Organization Discounts - Affiliation with certain professional organizations is a good way to get lower rates when buying auto insurance.
Multiple Vehicles - Buying coverage for multiple vehicles with the same company could earn a price break for each car.
Senior Discount - If you're over the age of 55, you may be able to get a small decrease in premiums.
Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
Claim Free - Drivers with accident-free driving histories can earn big discounts when compared with accident-prone drivers.
Fewer Miles Equal More Savings - Fewer annual miles can qualify you for discounted rates on garaged vehicles.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will cut the cost of coverage.

To choose insurers who offer auto insurance discounts in Montgomery, click here to view.

How can Allstate, GEICO and Progressive save drivers who switch?

Allstate, GEICO and Progressive continually stream ads on television and other media. All the companies make an identical promise about savings after switching your coverage to them. How do they all say the same thing?

All companies are able to cherry pick for the type of customer that makes them money. An example of a profitable customer might be profiled as between the ages of 40 and 55, has no driving citations, and has a high credit rating. A propective insured who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile must pay more money and ends up with business not being written. Company advertisements say "people who switch" not "everybody who quotes" save that much money. That's the way companies can truthfully state the savings.

This illustrates why you need to get as many quotes as possible. It's not possible to predict which auto insurance company will have the lowest rates.

Additional information is available on the website for the Illinois Department of Insurance through this link. Illinois drivers can find out which companies have the most complaints, report car insurance fraud, learn about insurance regulations, and find disaster information.

Affordable insurance is out there

Cheap auto insurance can be bought on the web as well as from independent agents in Montgomery, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In too many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.