Free Guide to Saving Money on New Lenox Auto Insurance Online

Nobody I know enjoys paying for auto insurance, especially knowing their premiums are through the roof.

Because there are so many companies to choose from, it can be diffult for consumers to find the best insurer.

It's important to take a look at other company's rates periodically since insurance rates are constantly changing. Even if you got the lowest rates two years ago you can probably find a better price now. So forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to reduce your cost while increasing coverage.

This article will familiarize you with how to get online quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Nevertheless, Illinois vehicle owners do need to know the methods companies use to price online insurance and use this information to your advantage.

New Lenox Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower auto insurance prices.

Listed below are a few of the "ingredients" auto insurance companies consider when setting rates.

With age comes lower rates - Teenage drivers in Illinois are statistically proven to be more careless behind the wheel so auto insurance rates are higher. Parents adding a youthful driver to your auto insurance policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
A clean driving record saves money - Just one moving violation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to continue driving.
Credit scores impact auto insurance rates - Credit score is a important factor in determining your rates. So if your credit is lower than you'd like, you could save money insuring your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, architects and stock brokers tend to have the highest rates because of job stress and lengthy work days. On the other hand, professions such as scientists, students and homemakers receive lower rates.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you can get discounts that many people don't even know exist. Most are applied at quote time, but lesser-known reductions have to be specially asked for in order for you to get them.

New Vehicle Savings - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
Early Signing - Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
Federal Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
Senior Discount - If you're over the age of 55, you may qualify for better auto insurance rates.
Use Seat Belts - Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
No Accidents - Good drivers with no accidents can save substantially as compared to accident-prone drivers.

Consumers should know that most credits do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will help reduce your overall premium however.

To choose companies offering auto insurance discounts in Illinois, follow this link.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to say the same thing of big savings if you switch to their company. But how can every company say the same thing?

All companies have a certain "appetite" for the driver that makes them money. For example, a desirable insured might be profiled as over the age of 40, a clean driving record, and chooses high deductibles. A propective insured who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money which usually ends up with business not being written. The ads say "customers that switch" not "people who quote" save that much. That is how insurance companies can confidently state the savings.

Because of the profiling, you should get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

How to know if you need help

When buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation could use an agent's help.

Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Additional auto insurance information can be found on the website for the Illinois Department of Insurance located here. Illinois drivers can read enforcement actions against agents and companies, file complaints about a company, find out industry alerts, and read industry bulletins.

Other informative sites include Auto Insurance 101 and this page where you can research New Lenox insurance agents.

Shop smart and save

When buying insurance coverage, don't be tempted to buy poor coverage just to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at a price you can afford.

Throughout this article, we presented a lot of information how to save on auto insurance. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like .