Top 6 Ways You Can Buy Car Insurance for Less in New Athens

Purchasing the cheapest New Athens car insurance over the internet can seem to be impossible for consumers new to comparison shopping online. With so many choices of insurers to choose from, how can you possibly compare the different rates to find the best price?

It's important to price shop coverage quite often since rates are constantly changing. Just because you found the lowest price last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to how to use online quotes to lower your rates without sacrificing coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. The purpose of this article is to help you learn the best way to quote coverages and some tips to save money. Nevertheless, Illinois consumers do need to know how companies sell online because it can help you find the best coverage.

Save big with these six discounts

Companies offering auto insurance don't always publicize every available discount in an easy-to-find place, so we researched both the well known as well as the least known savings tricks you should be using.

Good Student Discount - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Resident Student - Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
E-sign - Some insurance companies may give you up to $50 simply for signing on their website.
Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
Student Driver Training - Have your child take driver's ed class if it's offered in school.

Consumers should know that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like you could get a free car insurance policy, companies don't profit that way.

To see a list of providers who offer car insurance discounts in New Athens, click here to view.

Free Quotes for Car Insurance in New Athens, Illinois

There are several ways to get quotes from local New Athens car insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quotation requests for each company. One form gets you price quotes from car insurance companies with the best prices. This is perfect if you don't have a lot of time.
A more time consuming way to get quotes online requires visiting each company website and complete a new quote form. For instance, we'll pretend you want comparison quotes from , and . You would have to go to every website and enter your policy data, which is why the first method is more popular.

To view a list of companies in New Athens, click here.

It's your choice how you get your quotes, but make darn sure you compare the exact same quote information on every quote. If your comparisons have mixed coverages it's not possible to make a fair comparison in New Athens. Quoting even small variations in coverage limits may result in large price differences. And when comparison shopping, comparing more company's prices will enable you to find the best offered rates.

But I don't know anything about car insurance

When choosing the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation would benefit from an agent's advice.

Do I need to file an SR-22 for a DUI in Illinois?
Why does it cost so much to insure a teen driver in New Athens?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
Who is covered when they drive my vehicle?
Is my cargo covered for damage or theft?
Are my tools covered if they get stolen from my vehicle?
What are the financial responsibility laws in Illinois?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance ads bend the truth

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads make an identical promise of big savings after switching your policy. How do they all claim to save you money?

Different companies have a preferred profile for the right customer that is profitable for them. For instance, a preferred risk might be between 25 and 40, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will be charged higher rates and ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that kind of money. This is how insurance companies can confidently claim big savings. That is why drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Affordable insurance is out there

We just covered many tips how you can compare car insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even discover the most savings is with the least-expected company.

When trying to cut insurance costs, never reduce coverage to reduce premium. There have been many cases where drivers have reduced liability coverage limits only to discover later 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.

Cost effective car insurance can be sourced both online in addition to many New Athens insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

More tips and info about car insurance is located at the Illinois Department of Insurance website. Visitors are able to file complaints about a company, read enforcement actions against agents and companies, and get help finding coverage.