Find Cheaper Orion Auto Insurance

Price shopping your Orion auto insurance is nearly impossible for consumers new to shopping for insurance online. People have so many options available that it can be more work than you anticipated to compare prices in Orion.

If you have a policy now or need new coverage, you can learn to find better prices and possibly find even better coverage. Locating the cheapest auto insurance in Orion can be fairly easy. Illinois consumers only need to know the proper methods to shop for auto insurance on the web.

These discounts can lower your rates

Companies that sell car insurance don't list every discount in an easy-to-find place, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If they aren't giving you every credit available, you are throwing money away.

Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles could qualify for a substantially lower rate.
Safety Course Discount - Completing a course in driver safety could save 5% or more if you qualify.
Discount for New Cars - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Discount for Swiching Early - Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, you won't be that lucky.

Are you falling for claims of savings?

Illinois consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Allstate and GEICO. They all have a common claim about savings if you change to their company.

How do they all make almost identical claims?

All companies can use profiling for the driver that earns them a profit. A good example of a driver they prefer could possibly be between 30 and 50, has no tickets, and has a high credit rating. A driver that hits that "sweet spot" receives the best rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will be quoted more money and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everybody who quotes" save that much. That's why companies can truthfully state the savings. This emphasizes why you should get quotes from several different companies. It is impossible to predict the company that will have the lowest rates.

Even more information can be read at the Illinois Department of Insurance website. Illinois consumers can download brochures, view a list of available companies, and find disaster information.

In the end, you save

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, not issuing a premium refund and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

The cheapest auto insurance is attainable online and also from your neighborhood Orion agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.