Free Guide to Cutting Costs on Princeton Auto Insurance Online

Paying for high-priced auto insurance can overdraw your checking account and put the squeeze on your family's finances. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

Insurance companies such as GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked about before you get the savings.

  • Safety Course Discount - Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
  • Clubs and Organizations - Affiliation with a civic or occupational organization is a good way to get lower rates when buying auto insurance.
  • Seat Belts Save - Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Claim Free - Drivers who don't have accidents pay much less when compared with drivers who are more careless.
  • Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

auto insurance in Princeton

Tailor your coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can help discover whether you would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Do I qualify for additional discounts?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • Am I covered when delivering products for my home-based business?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies make an identical promise about savings if you change your coverage to them. How can each company say the same thing?

Insurance companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer might be profiled as a mature driver, has no prior claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements must pay a higher premium and ends up with business not being written. The ad wording is "customers that switch" not "everybody who quotes" save that much money. This is how companies can truthfully advertise the way they do.

This illustrates why you should get as many quotes as possible. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Learn more about auto insurance in Illinois

Additional information is located on the website for the Illinois Department of Insurance located here. Illinois drivers can discover disciplinary actions, file complaints about an insurance agent or broker, find out which companies have the most complaints, and find a variety of consumer forms.

Illinois auto insurance quotes

Do the work, save more money

Cheaper auto insurance can be sourced on the web as well as from independent agents in Princeton, and you need to price shop both to have the best selection. Some auto insurance companies don't offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.