Easy Methods to Pay Less on Rock City Auto Insurance

Saving money on Rock City auto insurance is challenging for people who are new to buying insurance online. Consumers have so many companies to choose from that it can be a real challenge to find lower rates in Rock City.

compare Rock City auto insurance rates

Save big with these discounts

Insuring your fleet can be pricey, but there are discounts available that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be specially asked for before you get the savings.

  • Driver's Ed - Require your teen driver to successfully complete driver's ed class in school.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Multiple Policy Discount - When you have multiple policies with the same company you will save up to 20% off your total premium.
  • Passive Restraint Discount - Cars that have air bags can receive discounts up to 30%.

Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way. But any discount will help reduce your overall premium however.

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

Compare Rock City Auto Insurance Costs

There are several ways to compare rate quotes and find the best price. The recommended way to find the cheapest insurance rates is to get quotes online. This can be accomplished using a couple different methods.

One of the best ways to get quotes is to use a rate comparison form click to view form in new window. This method prevents you from having to do multiple quote forms for every auto insurance company. In just a few minutes this one form compares rates from multiple low-cost companies. This is by far the quickest method.

A harder way to get quotes online is going to the website of each company to complete their respective quote request forms. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in Rock City, click here.

The least efficient way to compare rates is driving to and from local insurance agencies. The internet makes this process obsolete unless you require the professional advice of a local agent. You can, however, compare online quotes and still use a local agent and we'll touch on that later.

Whichever way you use, ensure you're using apples-to-apples coverage limits and deductibles on every quote you get. If you are comparing different liability limits it will be impossible to determine which rate is truly the best in Rock City. Just a small difference in limits can make a big difference in price. And when price shopping your coverage, quoting more provides better odds of finding the best rates.

Shop smart and save

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, poor customer service and high prices. Whatever your reason, choosing a new insurance company is not as hard as you think.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Throughout this article, we presented many ways to get a better price on auto insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the best price on auto insurance is with a small local company.