Pleasant Plains Auto Insurance For Less Than You're Paying Now

Shopping for affordable Pleasant Plains auto insurance over the internet is intimidating for beginners to price shopping online. Since there are so many insurers available, how can you effectively compare every one to find the best available price?

Don't pay full price with these discounts

Companies offering auto insurance don't list all available discounts very clearly, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you are throwing money away.

Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.
Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
Student in College - Kids in college living away from home attending college and don't have a car may be able to be covered for less.
Government Employees - Active or retired federal employment could cut as much as 10% off depending on your company.
Save with a New Car - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

Shown below are some of the items that factor into premiums.

Increase deductibles and save - Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, damage from fire, or theft. The more expense the insured has to pay upfront, the bigger discount you will receive.
Older drivers pay less - Youthful drivers in Illinois have a tendency to get distracted easily when driving so they pay higher auto insurance rates. If you've ever had to add a teenage driver onto your auto insurance can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Do you work long hours in a high stress job? - Occupations such as real estate brokers, business owners and financial analysts are shown to have higher average rates attributed to high stress levels and long work days. Conversely, jobs such as pilots, engineers and retirees pay the least.
The more you drive the more you pay - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle.
Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Why does it cost so much to insure a teen driver in Pleasant Plains?
Why am I required to get a high-risk car insurance policy?
Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving on a suspended license?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

The auto insurance bait and switch

Consumers in Illinois get pounded daily by advertisements for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise about savings if you change your policy.

How does each company claim to save you money?

Insurance companies have a preferred profile for the right customer that earns them a profit. A good example of a profitable customer might be between 25 and 40, insures multiple vehicles, and has a high credit rating. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save when switching.

Drivers who don't measure up to these standards must pay a higher premium and ends up with the customer not buying. The ads state "people who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully state the savings. This illustrates why drivers should get as many quotes as possible. It's impossible to know which insurance companies will have the lowest rates.

More sites with auto insurance information

Even more information can be read at the Illinois Department of Insurance website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, and read industry bulletins.

A tidy conclusion

Cheap auto insurance can be sourced both online in addition to many Pleasant Plains insurance agents, so you should compare both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, it's very important that you do not skimp on coverage in order to save money. In too many instances, drivers have reduced collision coverage and discovered at claim time that they should have had better coverage. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

People leave their current company for many reasons like lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer and even delays in paying claims. Regardless of your reason, finding the right auto insurance provider is less work than it seems.