Consumer Tested Strategies to Save on Murphysboro Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you there are many Murphysboro consumers feeling the pinch from expensive car insurance.

With consumers having so many options when it comes to car insurance, it can be challenging to choose the best insurance company.

Pricing affordable coverage in Murphysboro is quite easy. Just about every driver who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But Illinois consumers do need to know the way insurance companies price online insurance and apply this information to your search.

Quick Murphysboro Car Insurance Quotes

Most major insurance companies give prices for coverage on the web. Obtaining pricing is fairly straightforward as you just enter the coverage amounts you desire as detailed in the form. Behind the scenes, the system will obtain your driving and credit reports and generates pricing information. This makes comparing rates easy, but the time it takes to visit many different websites and complete many quote forms can be a bit repetitive. But it's very important to compare as many rates as possible in order to get the best price on car insurance.

The easy way to compare rates

A less time-consuming method to find better car insurance pricing makes use of a single form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much more enjoyable and efficient. After sending your information, your coverage is rated and you can choose any or none of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. This way, you will have rate quotes based on similar coverages.

What determines how much you pay?

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in big savings.

Safe vehicles cost less to insure - Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Don't buy coverages you don't need - There are many extra coverages that you can get tricked into buying when buying car insurance. Things like rental car reimbursement, accidental death and motor club memberships are examples of these. They may seem like a good idea at first, but if you don't need them remove them from your policy.
Better credit means lower rates - A driver's credit score is a large factor in calculating your car insurance rates. If your credit score is lower than you'd like, you could be paying less to insure your by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
Bad driving skills means higher rates - Whether or not you get tickets has a big impact on rates. Good drivers receive lower rates than bad drivers. Just one ticket can increase rates forty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
Older drivers save more - Youthful drivers in Illinois are statistically proven to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, file fewer claims and get fewer tickets.
Your job and insurance rates - Did you know your occupation can influence how much you pay for car insurance? Occupations such as lawyers, architects and stock brokers tend to pay the highest rates attributed to stressful work requirements and lots of time spent at work. On the other hand, occupations such as actors, students and homemakers have the lowest average rates.
Don't sacrifice liability coverage - Liability insurance provides coverage if you are found liable for damages from an accident. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there are discounts available that many people don't even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

Fewer Miles Equal More Savings - Driving fewer miles can earn lower rates on the low mileage vehicles.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
Save with a New Car - Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
Accident Free - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
No Charge for an Accident - Some insurance companies permit an accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
Club Memberships - Being a member of a professional or civic organization could qualify you for a break when buying car insurance.
Senior Citizens - Older drivers may qualify for reduced rates.

Drivers should understand that most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.

For a list of insurers offering car insurance discounts in Illinois, follow this link.

Much more information about car insurance in Illinois can be found on the website for the Illinois Department of Insurance through this link. Visitors are able to find disaster information, discover disciplinary actions, find out industry alerts, and file complaints about a company.

Other useful links include this resource for Illinois car insurance prices and this page of Murphysboro insurance agents.

Shop smart and save

Budget-conscious car insurance can be found both online and with local Murphysboro insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, don't be tempted to reduce needed coverages to save money. There are a lot of situations where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just presented a lot of information how to lower your car insurance rates. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding lower rates. You may even find the best price on car insurance is with an unexpected company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as .