Consumer Tested Strategies to Save on Robbins Auto Insurance

I can't think of anyone who looks forward to buying auto insurance, especially knowing their premiums are too high. You have so many to buy insurance from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

Are you getting all your discounts?

Companies don't always advertise all available discounts very clearly, so we researched some of the best known and the harder-to-find ways to save on auto insurance. If you're not getting every credit you qualify for, you're paying more than you need to.

Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy qualifies for this discount.
Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Good Student - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
Senior Discount - Mature drivers may qualify for a small decrease in premiums.
Claim Free - Good drivers with no accidents pay much less when compared with bad drivers.

It's important to note that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you're out of luck.

To see a list of insurers offering auto insurance discounts in Illinois, click this link.

Robbins Auto Insurance Quote Comparison

Most companies like Allstate, GEICO and Progressive allow you to get coverage price quotes directly from their websites. Getting online quotes is fairly simple as you just enter your coverage preferences as detailed in the form. Once you submit the form, their system will obtain information on your driving record and credit history and returns a price quote based on these and other factors. Being able to quote online streamlines rate comparisons, but the time required to go to several different sites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to find the best price on auto insurance.

There is a better way!

The preferred way to get multiple rate quotes requires only one form to get prices from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable. After sending your information, it is rated and you can choose any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To quickly find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you duplicate the coverage information exactly as shown on your declarations page. This makes sure you are getting comparison quotes based on the exact same insurance coverage.

Tips to Get Lower Robbins Rates

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.

Lower deductibles cost more - Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more you have to pay, the lower your rates will be.
High credit ratings translate to low rates - A driver's credit score is a huge factor in determining your rates. If your credit is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than those with poor credit.
A clean driving record saves money - Only having one citation can bump up the cost forty percent or more. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 form with the DMV in their state in order to continue driving.
Are you male or female? - Statistics show that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Men and women are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Young males tend to get in the most accidents and therefore have the most expensive auto insurance rates.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is unique so this has to be addressed. For instance, these questions might point out whether you may require specific advice.

Am I covered when driving on a suspended license?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Illinois?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?
Do I really need UM/UIM coverage?
Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

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

Illinois drivers can't get away from ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. All the companies make the same claim that you can save if you switch your coverage to them.

How does each company say the same thing? This is how they do it.

Different companies have a certain "appetite" for the type of customer that is profitable for them. For instance, a profitable customer might be profiled as over the age of 50, owns a home, and has great credit. A propective insured who matches those parameters is entitled to the best price and as a result will probably save when switching.

Potential insureds who are not a match for these standards must pay more money which leads to business not being written. Company advertisements say "drivers who switch" not "everybody who quotes" save that much money. That is how insurance companies can advertise the savings. This illustrates why drivers must compare many company's rates. It's not possible to predict which company will give you the biggest savings.

Best coverage at the best price

Lower-priced auto insurance is available on the web as well as from independent agents in Robbins, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don't offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented some good ideas how to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as .

Additional detailed information is located at the Illinois Department of Insurance website. Illinois drivers can report car insurance fraud, find out industry alerts, file complaints about a company, and learn about insurance regulations.