Easy Techniques to Spend Less on Rochelle Auto Insurance

Buying low-cost Rochelle auto insurance on the internet can seem to be challenging for beginners to online price comaprisons. With dozens of insurance companies available, how can consumers possibly compare every one to find the best available rates?

If you have insurance now or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Pricing affordable coverage in Rochelle is quite easy. Illinois drivers only need an understanding of the tricks to get comparison rates online.

Auto Insurance Prices in Rochelle, Illinois

Getting better auto insurance pricing can be quick and easy. You just have to take a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method prevents you from having to do repetitive form submissions for each company you want a rate for. One form submission will return quotes from multiple companies. It's the fastest way to compare.

A slightly less efficient method to get quotes online is to take the time to go to the website of each company to request a price quote. For instance, let's say you want comparison quotes from , and . To get each rate you have to go to every website and enter your information, and that's why the first method is more popular. To view a list of companies in Rochelle, click here.

Whichever way you use, ensure you are comparing exactly the same coverages and limits for each price quote. If your comparisons have different deductibles it will be very difficult to truly determine the lowest rate in Rochelle.

Rochelle Rates are Influenced by These Factors

It's important that you understand some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Careers like lawyers, architects and dentists tend to have the highest average rates in part from job stress and long work days. Other professions such as pilots, historians and homemakers receive lower rates.
Are you male or female? - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. Both sexes tend to get into accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
Credit scores impact auto insurance rates - Having a bad credit score is a huge factor in determining what you pay for auto insurance. So if your credit score is lower than you'd like, you could be paying less to insure your by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit.
Theft deterrents lower rates - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
Marriage pays dividends - Having a spouse can actually save you money when buying auto insurance. Having a significant other means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
Older drivers save more - More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to get distracted easily when driving and because of this, their auto insurance rates are much higher.

Save big with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you get a quote, but less common discounts must be specifically requested before you will receive the discount. If you aren't receiving every discount you deserve, you're just leaving money on the table.

No Accidents - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
Accident Waiver - A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
Payment Discounts - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
Paperwork-free - A few companies may give you up to $50 simply for signing digitally online.
Distant Student - Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
Multiple Policy Discount - When you have multiple policies with the same company you could get a discount of at least 10% off all policies.

It's important to understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will reduce your overall premium however.

For a list of insurance companies offering auto insurance discounts in Rochelle, follow this link.

Additional auto insurance information can be found on the Illinois Department of Insurance website. Click here for link. Visitors are able to read industry bulletins, learn about insurance regulations, and find out industry alerts.

And the best car insurance company is...

Consumers switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, poor customer service and unfair underwriting practices. Whatever your reason, switching auto insurance companies is not as hard as you think.

Low-cost auto insurance is available both online and also from your neighborhood Rochelle agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online quoting and these regional insurance providers work with independent agents.

We covered many ways to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the biggest savings come from a smaller regional carrier.