Free Guide to Paying Less for Rockton Car Insurance Online

Paying for high-priced car insurance can take a big chunk out of your bank account and make it impossible to make ends meet. Comparison shopping is a great way to slash your bill and have more diposable income.

You have multiple to pick from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons on a regular basis due to the fact that insurance rates are constantly changing. Even if you got the best deal a year ago you may be paying too much now. So ignore everything you know about car insurance because I'm going to teach you the proper way to remove unneeded coverages and save money.

Which Car Insurance is Cheapest in Rockton, Illinois?

The are a couple different ways of comparing rates from local Rockton car insurance companies. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for every car insurance company. One form submission gets rate comparisons from multiple companies.

A slightly less efficient method to shop for car insurance online is spending the time to visit the website for each individual company and complete a new quote form. For instance, let's say you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular. For a list of links to companies insuring cars in Rockton, click here.

The most time-consuming way to get comparison rates is to spend your day driving to insurance agents' offices. The internet makes this process obsolete unless you have a need for the trained guidance of a local Rockton agent. It is possible to compare the best prices online but buy from a local insurance agent and you'll learn how to do that later.

Whichever method you choose, ensure you are comparing identical information on every quote. If your comparisons have higher or lower deductibles you will not be able to make a fair comparison in Rockton. Slightly different coverages can mean a large discrepancy in price. Just remember that more quotes helps you find the best price.

Rockton car insurance quote

Why some people pay less for insurance in Rockton

It's important that you understand the factors that help determine the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

  • How many coverages with the same company - Many insurance companies give discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to shop around to make sure you are getting the best deal.
  • Having a spouse can save you money - Being married can get you a discount on car insurance. Marriage is viewed as being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Where you live can impact rates - Residing in a rural area has it's advantages when talking about car insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Older drivers save more - Youthful drivers in Illinois are known to be less responsible when driving so they pay higher car insurance rates. If you've ever had to add a young driver to your policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
  • High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The deductibles are the amount of money you are required to spend if you file a covered claim. The more money you're willing to pay, the bigger discount you will receive.
  • An active claims history can cost you - If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance companies in Illinois generally give lower rates to insureds who file claims infrequently. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.

Policy discounts you shouldn't miss

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but some must be specifically requested before they will apply.

  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Waiver - Certain companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Resident Student - Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Own a Home - Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Government Employees - Simply working for the federal government can save as much as 8% with certain companies.

A little note about advertised discounts, some credits don't apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of providers who offer car insurance discounts in Illinois, click here.

Additional information is available on the website for the Illinois Department of Insurance. Click here for link. Visitors are able to read consumer alerts, get help finding coverage, view agent and company licensing information, and read enforcement actions against agents and companies.

Other useful links include BankRate.com's Car Insurance: When not to Skimp and this Rockton agent directory.

Final considerations

While you're price shopping online, make sure you don't reduce needed coverages to save money. Too many times, drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Cheaper car insurance can be purchased both online and with local Rockton insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.