Find the Cheapest Pecatonica Car Insurance

Finding affordable Pecatonica car insurance is hard for consumers new to comparing rates online. You have so many choices that it can be more work than you anticipated to find lower rates in Pecatonica.

It's important to do rate comparisons before your policy renews due to the fact that insurance rates are constantly changing. Even if you think you had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad advice regarding car insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

If you have car insurance now, you should be able to reduce your rates substantially using this strategy. This article will let you in on the most effective way to quote insurance. Although Illinois consumers do need to know the way companies market insurance on the web.

Are you getting all your discounts?

Companies don't list all their discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known ways to save on car insurance.

  • Senior Citizens - If you qualify as a senior citizen, you may receive reduced rates.
  • Accident Free - Claim-free drivers pay less as compared to drivers who are more careless.
  • Drive Less and Save - Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • College Student - Any of your kids living away from home attending college and don't have a car can be insured at a reduced rate.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • One Accident Forgiven - A handful of insurance companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, you won't be that lucky.

Pecatonica car insurance comparison

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all seem to make the same claim about savings if you change to them. How can each company claim to save you money?

All companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured might be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay higher prices which leads to the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save money. That's why companies can truthfully advertise the way they do. Because of the profiling, you should compare many company's rates. You cannot predict the company that will provide you with the cheapest rates.

Even more information can be read at the Illinois Department of Insurance website. Visitors are able to learn about insurance regulations, read industry bulletins, and find disaster information.

Final considerations

When shopping online for car insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.

Insureds leave their current company for a number of reasons such as denial of a claim, high rates after DUI convictions, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

The cheapest car insurance is attainable both online and with local Pecatonica insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.