Easy Methods to Pay Less on Port Byron Car Insurance

Buying the lowest cost Port Byron car insurance over the internet is somewhat difficult for beginners to comparison shopping online. With so many choices of insurers to choose from, how can consumers possibly compare every one to find the cheapest available price?

Buying car insurance in Port Byron is not that difficult. If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Illinois consumers only need to know how to get comparison quotes online.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that could result in lower car insurance prices.

Listed below are a few of the "ingredients" that factor into premiums.

Don't buy coverages you don't need - There are many add-on coverages that you can get tricked into buying when buying car insurance. Coverages for roadside assistance, accidental death and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
Where you reside plays a part - Residing in a rural area is a positive aspect when talking about car insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents.
Poor driving leads to higher costs - Drivers with clean records have lower premiums than bad drivers. Even one moving violation may increase your cost by as much as thirty percent. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 to the state department of motor vehicles in order to continue driving.
Pay less after the wedding - Having a spouse can actually save you money on your policy. Having a spouse usually means you are more responsible and it's proven that married drivers get in fewer accidents.
Rate your vehicle for proper use - The more miles you rack up on your car 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 left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance policy shows how each vehicle is driven.

Compare Car Insurance Today

Reducing your insurance rates can be surprisingly simple. Just spend a few minutes to get quotes online with multiple companies. This can be done using a couple different methods.

The fastest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for every car insurance company. A single, simple form will return quotes from multiple companies. Recommended for those who want to invest the least amount of time.
A more time consuming way to compare rate quotes is to take the time to go to the website for every company you want to comare and request a quote. For instance, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.

To view a list of companies in Port Byron, click here.

It's your choice how you get your quotes, but make sure you use identical coverages and limits with every price quote. If you use different deductibles it's not possible to find the best deal in Port Byron.

Take advantage of discounts

Companies offering auto insurance do not advertise all available discounts very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using. If you're not getting every credit you deserve, you are paying more than you should be.

Defensive Driver - Completing a defensive driving course could cut 5% off your bill if your company offers it.
Auto/Home Discount - If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
Good Student Discount - This discount can get you a discount of up to 25%. This discount can apply until age 25.
Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
Multi-car Discount - Insuring more than one vehicle with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

To choose insurers offering car insurance discounts in Illinois, click here to view.

Are car insurance companies telling the truth?

Consumers in Illinois can't ignore all the ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise about savings if you switch your policy.

How does each company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. For example, a profitable customer might be over the age of 40, has no prior claims, and has excellent credit. Any new insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Potential customers who don't qualify for these standards must pay a more expensive rate and ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that kind of money. This is how companies can truthfully make those claims. This illustrates why you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

How to know if you need help

When buying the right insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation could use an agent's help.

Should I rate my vehicle as pleasure use or commute?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Illinois?
I have good health insurance, so how much medical payments coverage do I need?
Who is covered when they drive my vehicle?
Are my tools covered if they get stolen from my vehicle?
Why am I required to buy high-risk coverage?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Even more information can be found at the Illinois Department of Insurance website. Visitors are able to discover disciplinary actions, view agent and company licensing information, and file complaints about a company.

And the best car insurance company is...

The cheapest car insurance is available both online in addition to many Port Byron insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later they didn't purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

We just covered many tips how you can compare car insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest premiums are with the least-expected company.