Comparing the Cheapest Orland Park Auto Insurance

Are you sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as many other Illinois drivers.

Online insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

High crash test scores lower rates - Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Do you work long hours in a high stress job? - Occupations such as real estate brokers, social workers and dentists tend to have the highest average rates because of high stress levels and long work days. Other professions such as farmers, historians and retirees receive lower rates.
Liability coverage protects you - Your policy's liability coverage will protect you if a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Your car's features help determine rates - Driving a car with an alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
Having a spouse can save you money - Getting married helps lower the price on auto insurance. Having a spouse means you're more responsible and it's proven that drivers who are married are more cautious.
Bump up deductibles to save - The deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage from fire, and burglary. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
Big city or small town - Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Less people living in that area translates into fewer accidents and a lower car theft rate. Drivers who live in large Illinois cities regularly have more traffic problems and longer commute times. Higher commute times means more change of being in an accident.
Careful drivers pay lower rates - Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to prevent a license revocation.

Compare Orland Park Auto Insurance Costs

There are several ways of comparing price quotes and find the best price. One of the best ways to find the lowest rates consists of shopping online. This is very easy and can be done in a couple of different ways.

The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form eliminates the need for separate quotation requests for each company you want a rate for. In just a few minutes this one form gets you price quotes from auto insurance companies with the best prices.
A more difficult way to compare rate quotes requires a trip to the website for every company you want to comare and fill out their own quote form. For example, we'll pretend you want rates from , and . To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular. To view a list of companies in Orland Park, click here.

Whichever method you choose, ensure you're using exactly the same quote information for every quote you compare. If you compare mixed coverages it's impossible to determine the best price in Orland Park. Slightly different coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding a better price.

Take advantage of discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit.

Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
No Accidents - Claim-free drivers pay less when compared with accident-prone drivers.
Organization Discounts - Participating in a civic or occupational organization may earn a discount when buying auto insurance.
Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Multiple Cars - Insuring all your vehicles with the same company may reduce the rate for each vehicle.
Paperless Signup - A few companies will discount your bill up to fifty bucks for buying your policy digitally online.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To choose insurers with discount auto insurance rates in Orland Park, click here.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies have a common claim about savings if you change to their company. How can each company make almost identical claims?

Insurance companies can use profiling for the driver that makes them money. A good example of a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements must pay higher prices and this can result in the driver buying from a lower-cost company. The ads say "customers that switch" not "people who quote" save that much. That's why companies can truthfully claim big savings.

This illustrates why you need to get as many quotes as possible. It's impossible to know the company that will give you the biggest savings.

Additional information can be read on the website for the Illinois Department of Insurance located here. Illinois consumers can find disaster information, read industry bulletins, find out which companies have the most complaints, and view a list of available companies.

Do the work, save more money

Cheap auto insurance can be sourced online and also from your neighborhood Orland Park agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.