Top 8 Ways to Save Money on Car Insurance in Roberts

Expensive car insurance can drain your savings account and force you to make sacrifices. Comparison shopping is a smart way to help make ends meet. Since consumers have many companies and agents to choose from, it can be impossible to choose the lowest price provider.

It's important to do rate comparisons yearly since rates are constantly changing. Even if you think you had the best deal a year ago there may be better deals available now. So just ignore everything you know about car insurance because we're going to show you the only way to remove unneeded coverages and save money.

More discounts equal less premium

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you don't get every credit you deserve, you're just leaving money on the table.

Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
Safety Course Discount - Completing a defensive driving course could cut 5% off your bill depending on where you live.
Bundle and Save - When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of 20% or more.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Accident Waiver - Some insurance companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
Discount for Swiching Early - Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

For a list of companies with discount car insurance rates in Illinois, follow this link.

Where Can I Get Cheap Roberts Car Insurance?

Most major insurance companies provide pricing online. Getting quotes is pretty easy as you just type in your required coverages into the quote form. Once entered, the system will obtain your credit score and driving record and provides a quote based on many factors. This makes comparing rates easy, but the work required to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

Quote rates the easy way

A more efficient way to compare car insurance pricing is to use a quote form that obtains quotes from multiple companies. It's a real time-saver, reduces the work, and makes comparison shopping much easier. After your information is entered, it gets priced with multiple companies and you can pick any or none of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and enter your information. If you have a policy now, it's recommended you input coverages and limits identical to your current policy. This helps ensure you are getting a fair comparison based on identical coverages.

It's not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover if you may require specific advice.

When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Should I have combined single limit or split liability limits?
Should I buy only the required Illinois minimum liability coverage?
What is the difference between comprehensive and collision coverage?
Does my insurance cover a custom paint job?
Can I rate high risk drivers on liability-only vehicles?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

In the end, you save

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Cheap car insurance is attainable both online and with local Roberts insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

We just covered many ways to get a better price on car insurance. It's most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a small local company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as .