How to Know You're Throwing Money Away for Car Insurance in Patoka

Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than the majority of other car owners in Illinois.

There is such a variety of to buy insurance from, and although it's a good thing to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes before your policy renews due to the fact that insurance rates are constantly changing. Even if you think you had the best rates six months ago there may be better deals available now. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to stop overpaying for insurance.

Finding the best rates in Patoka is easy if you know what you're doing. Just about every vehicle owner who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But Illinois consumers do need to know how the larger insurance companies market insurance on the web.

These discounts can lower your rates

Companies that sell car insurance don't always publicize every available discount very clearly, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

Multi-policy Discount - When you have multiple policies with one insurance company you will save 10% to 20% off each policy.
No Claims - Claim-free drivers pay less compared to frequent claim filers.
Low Mileage - Low mileage vehicles could qualify for a substantially lower rate.
E-sign - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
Senior Citizens - Older drivers may receive a discount up to 10%.
Homeowners Pay Less - Being a homeowner can save you money because maintaining a house demonstrates responsibility.
Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
Passive Restraints - Vehicles with factory air bags may earn rate discounts of more than 20%.
Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with certain companies.
Drivers Education - Require your teen driver to take driver's ed class if offered at their school.

Drivers should understand that some of the credits will not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So when the math indicates you could get a free car insurance policy, companies wouldn't make money that way.

For a list of providers with discount car insurance rates in Illinois, click here.

Comparison of Car Insurance in Patoka

Most major insurance companies like Allstate and Progressive give insurance quotes directly from their websites. Obtaining pricing doesn't take much effort as you simply enter as detailed in the form. Once entered, the system will obtain credit information and your driving record and quotes a price. Quoting online makes it a lot easier to compare rates but having to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it's very important to do this in order to get better car insurance pricing.

The easy way to compare rates

A more efficient way to lower your car insurance bill makes use of a single form to return rates from several different companies. The form is fast, eliminates form submissions, and makes price shopping online a lot less work. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If you find a better price it's easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend that you enter your coverages just like they are on your policy. This helps ensure you will get a rate comparison based on identical coverages.

Final considerations

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced collision coverage and discovered at claim time that they should have had better coverage. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Budget-conscious car insurance is attainable both online in addition to many Patoka insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.