7 Guaranteed Methods to Lower Car Insurance Costs in O Fallon

No one likes paying for car insurance, particularly when their premiums are too high. Multiple compete for your business, and it can be difficult to compare rates to get the lowest rate

It's important to shop coverage around periodically since rates are constantly changing. Just because you found the lowest price last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the quickest way to find better coverage at a better price.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for prior to getting the savings. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Accident Forgiveness - A few companies permit an accident without raising rates as long as you don't have any claims for a certain period of time.
  • Good Student - Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Club Memberships - Being a member of certain professional organizations is a good way to get lower rates on car insurance.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more depending on where you live.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

For a list of companies with discount car insurance rates in O Fallon, click here to view.

O Fallon Car Insurance Comparisons

Performing a rate comparison can take time and effort if you don't know the easiest way. You can waste hours discussing policy coverages with insurance agencies in O Fallon, or you can utilize the web to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company then gives them pricing. This saves time by eliminating quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is buyers cannot specifically choose the companies you want pricing from. So if you prefer to choose individual companies to request quotes from, we put together a list of low cost car insurance companies in Illinois. Click here to view list.

It's up to you which method you use, but be sure to compare the exact same quote information on every quote you get. If you compare mixed coverages it will be impossible to determine which rate is truly the best in O Fallon.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your vehicles, there is no "best" method to buy coverage. Everyone's needs are different so your insurance should reflect that For example, these questions may help highlight whether or not you will benefit from professional help.

  • Does my policy cover me when driving someone else's vehicle?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?

If you're not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

Best coverage at the best price

Cheap car insurance can be sourced both online as well as from independent agents in O Fallon, so you should be comparing quotes from both to have the best rate selection. A few companies don't offer online quoting and most of the time these small, regional companies sell through independent agents.

We just covered some good ideas how you can get a better price on car insurance. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the lowest priced car insurance comes from an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like .

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many cases, someone dropped liability coverage limits only to discover later that it was a big mistake. Your aim should be to purchase plenty of coverage at an affordable rate.