Tightwads Guide for Saving on Rosamond Auto Insurance

Expensive auto insurance can empty your bank account and put the squeeze on your family's finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

Insurance companies such as GEICO and Progressive all promote huge savings with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates quite often since insurance rates are constantly changing. Just because you found the best price six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you're about to find out the quickest way to eliminate unnecessary coverages and save money.

Take advantage of discounts

Car insurance can cost a lot, but you can get discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but a few need to be requested specifically prior to getting the savings.

Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Senior Discount - If you qualify as a senior citizen, you may receive better auto insurance rates.
Clubs and Organizations - Affiliation with a civic or occupational organization is a good way to get lower rates on your policy.
Seat Belts Save - Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
Government Employees - Active or retired federal employment may qualify you for a discount with certain companies.

It's important to note that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you're out of luck. But any discount will reduce your overall premium however.

Rosamond Rates are Influenced by These Factors

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates enables informed choices that can help you get big savings.

A clean driving record saves money - Even a single moving violation can boost insurance rates by twenty percent. Careful drivers get better rates than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
Older drivers pay less - More mature drivers tend to be more responsible, file fewer claims and receive fewer citations. Teenage drivers have a tendency to be less responsible when driving and because of this, their auto insurance rates are much higher.
Liability insurance protects assets - Your policy's liability coverage is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
Don't let your coverage lapse - Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
Do you work long hours in a high stress job? - Occupations like lawyers, business owners and dentists tend to have the highest average rates due to high stress and lots of time spent at work. Other professions such as pilots, historians and retirees receive lower rates.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need professional guidance.

Do I need to file an SR-22 for a DUI in Illinois?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Do I qualify for additional discounts?
Why am I be forced to buy a membership to get insurance from some companies?
Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?
Am I covered when delivering products for my home-based business?

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Are auto insurance companies telling the truth?

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads make an identical promise that you can save if you change to their company. How can each company say the same thing? It's all in the numbers.

All the different companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and has a high credit rating. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be charged a more expensive rate and ends up with business not being written. The ad wording is "customers who switch" not "people who quote" save that much. This is how insurance companies can state the savings.

That is why drivers should compare as many rates as you can. It's not possible to predict which insurance companies will have the lowest rates.

More sites with auto insurance information

More information can be found on the website for the Illinois Department of Insurance found here. Illinois drivers can file complaints about a company, read enforcement actions against agents and companies, find out which companies have the most complaints, and find a variety of consumer forms.

Shop smart and save

Throughout this article, we presented some good ideas how you can reduce auto insurance prices online. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the smallest insurance companies. Regional companies often have lower prices on specific markets than their larger competitors like .

As you restructure your insurance plan, it's a bad idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Lower-priced auto insurance can be sourced on the web and also from your neighborhood Rosamond agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.