Top Ways to Save on Niles Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, especially knowing they are paying too much. Big-name insurance companies like GEICO and Progressive all promote huge savings with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates periodically since insurance rates are constantly changing. Even if you think you had the best deal a few years ago you can probably find a better price now. Starting now, forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to reduce your cost while increasing coverage.

If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices while maximizing coverage. Finding affordable coverage in Niles is easy if you know what you're doing. Illinois vehicle owners just need to know the proper way to compare prices on the web.

Niles Rates are Influenced by These Factors

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

Shown below are some of the factors auto insurance companies consider when setting rates.

  • Your location is important - Living in a rural area can be a good thing when buying auto insurance. Lower population translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • A clean driving record saves money - Just one speeding ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Drive a safer car and pay less - Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.
  • Don't cancel a policy without a new one in place - Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your insurance expire. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.

Illinois auto insurance quotes

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Some trigger automatically when you complete an application, but lesser-known reductions have to be manually applied before they will apply. If you aren't receiving every discount you qualify for, you are paying more than you should be.

  • Bundle and Save - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.
  • Seat Belts Save more than Lives - Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Federal Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • College Student - Any of your kids who live away from home and don't have a car can receive lower rates.
  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Sign Online - Certain companies give back up to $50 for buying a policy and signing up digitally online.
  • Drive Less and Save - Low mileage vehicles can qualify you for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it's possible to get free car insurance, companies don't profit that way. But all discounts will reduce the amount you have to pay.

To choose companies with discount auto insurance rates in Niles, click this link.

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

Illinois drivers can't ignore all the ads for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to make the same claim that you'll save big if you change to their company.

How can each company say the same thing? This is how they do it.

All companies have a certain "appetite" for the driver that makes them money. An example of a desirable insured might be profiled as between 25 and 40, a clean driving record, and has a short commute. A propective insured who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will have to pay higher rates which leads to business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can make the claims of big savings.

Because of the profiling, you should get as many comparisons as possible. It's not possible to predict which company will fit your personal profile best.

How much car insurance do I need?

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's situation is unique so this has to be addressed. For example, these questions may help highlight if your insurance needs would benefit from an agent's advice.

  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Much more information about auto insurance in Illinois is available on the website for the Illinois Department of Insurance. Click here for link. Illinois drivers can view agent and company licensing information, file complaints about a company, find disaster information, and find a variety of consumer forms.

Illinois auto insurance

And the best car insurance company is...

As you shop your coverage around, it's a bad idea to buy poor coverage just to save money. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible for the lowest price.

Throughout this article, we presented some good ideas how to save on auto insurance. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates compared to the large companies like .

Discount auto insurance is attainable on the web and also from your neighborhood Niles agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide online price quotes and most of the time these smaller companies sell through independent agents.