8 Tricks Shown to Lower Car Insurance Costs in Ransom

Nobody I know cherishes buying car insurance, particularly when they are paying too much.

Consumers have many to buy insurance from, and even though it's nice to be able to choose, it can be more difficult to compare rates.

car insurance in Ransom

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all available discounts very clearly, so we researched both the well known as well as the least known savings tricks you should be using.

  • Defensive Driving Course - Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
  • No Accidents - Good drivers with no accidents pay much less when compared with accident-prone drivers.
  • Accident Forgiveness - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a particular time prior to the accident.
  • Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
  • Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
  • Student in College - Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Drivers Education - Cut your cost by having your teen driver enroll in driver's education in high school.

It's important to note that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you're out of luck.

To choose insurers with the best car insurance discounts in Illinois, click here to view.

Save $429 a year? Really?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make an identical promise that you can save if you move to their company. How does each company claim to save you money?

All the different companies have a certain "appetite" for the driver that makes them money. For instance, a profitable customer might be between the ages of 30 and 50, a clean driving record, and has a short commute. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards must pay more money and ends up with the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can make the claims of big savings. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which company will fit your personal profile best.

Insurance agents can help

When buying the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Additional Illinois consumer information

Additional detailed information is located at the Illinois Department of Insurance website. Visitors are able to discover disciplinary actions, find out industry alerts, read industry bulletins, and get help finding coverage.

Illinois car insurance

Do the work, save more money

Lower-priced car insurance is definitely available both online and also from your neighborhood Ransom agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

We just covered some good ideas how you can save on car insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest rates come from the least-expected company. Some small companies often have lower prices on specific markets compared to the large companies like .