Finding Cheap Pawnee Auto Insurance

I can't think of anyone who likes having to buy auto insurance, in particular when their premiums are through the roof.

Consumers have many to pick from, and though it is a good thing to be able to choose, it can be more difficult to compare rates.

Finding affordable protection in Pawnee is not that difficult. Basically, everyone who has to buy auto insurance stands a good chance to be able to cut their insurance bill. Nevertheless, Illinois drivers do need to know how insurance companies compete online and use this information to your advantage.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Equipment add-ons that lower auto insurance rates - Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Multi-policy discounts can save money - Many companies provide better rates to customers who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to comparison shop to ensure the best deal.
  • Teen drivers pay high rates - Teen drivers in Illinois are known to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Parents adding a youthful driver to your auto insurance policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Lower miles equals lower premium - Driving more miles each year the higher your rate. Most insurance companies apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your auto insurance coverage shows the proper vehicle usage.

compare Pawnee auto insurance rates

Automobile Insurance Quotes in Pawnee, IL

There are several ways of comparing rate quotes from different Pawnee insurance companies. One of the best ways to find the cheapest insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for multiple quote forms for each company you want a rate for. A single form will get you rate comparisons from multiple low-cost companies.
  2. A less efficient way to compare rate quotes requires you to visit the website of each company and request a quote. For examples sake, we'll pretend you want to compare , and . To get each rate you have to take the time to go to each site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Pawnee, click here.
  3. The least efficient method to get comparison rates is to drive around to local Pawnee insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance that only a license agent can provide. You can, however, find lower rates online and still use a local agent.

Which method you use is up to you, but make absolute certain that you use identical coverage information with every price quote. If you use unequal deductibles or liability limits it will be very difficult to find the best deal in Pawnee. Just a small difference in coverage limits may result in a large different in cost. And when quoting auto insurance, remember that getting more free quotes helps you find the best offered rates.

Take advantage of discounts

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to getting the savings.

  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Discount for Life Insurance - Larger companies have a discount if you purchase life insurance.
  • Driver Safety - Successfully completing a course in driver safety can save you 5% or more if your company offers it.
  • Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Organization Discounts - Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.

It's important to understand that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will bring down your overall premium however.

To choose insurance companies who offer auto insurance discounts in Illinois, follow this link.

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing of big savings after switching to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer could possibly be over the age of 50, owns a home, and chooses high deductibles. A driver who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who don't qualify for these standards will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that much. That is how insurance companies can confidently state the savings.

This emphasizes why you need to get as many quotes as possible. It is impossible to predict which company will give you the biggest savings.

How to know if you need help

When buying adequate coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and a cookie cutter policy won't apply. These are some specific questions might point out whether your personal situation may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Illinois?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • Is my nanny covered when driving my vehicle?
  • Am I getting all the discounts available?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Additional auto insurance information can be found on the website for the Illinois Department of Insurance. Click here for link. Illinois consumers can view a list of available companies, read consumer alerts, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Other informative sites include this page for auto insurance prices in Illinois and this page of Pawnee insurance agents.

Pawnee auto insurance quote

Do the work, save more money

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Low-cost auto insurance can be bought online and also from your neighborhood Pawnee agents, and you should be comparing both to have the best rate selection. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.