Round Lake Car Insurance For Less Than You're Paying Now

Consumers not familiar with shopping for insurance online will discover finding cheap Round Lake car insurance quite difficult.

It's important to do rate comparisons periodically because rates are constantly changing. Just because you found the best rates a year ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to save money.

Save big with these discounts

Car insurance is not cheap, but you may find discounts that you may not know about. Certain discounts will be applied when you purchase, but some may not be applied and must be specifically requested before being credited. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Multiple Cars - Insuring all your vehicles on the same car insurance policy qualifies for this discount.
  • Accident Forgiveness - Certain companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Discount for Swiching Early - Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.

It's important to note that some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you're out of luck. But any discount will bring down your overall premium however.

To see a list of providers with discount car insurance rates in Illinois, click here.

Round Lake car insurance quote

How to Get Round Lake Car Insurance Comparison Quotes

Finding cheaper car insurance prices is a fairly straight forward process. You just have to spend a little time getting comparison quotes from different insurance companies. This can be done in several different ways.

  • The best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions to each individual car insurance company. Just one form gets you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  • Another way to get quotes online requires a trip to the website for each individual company and fill out their own quote form. For example, let's assume you want to compare , and . To find out each rate you need to visit each site to input your insurance information, and that's why the first method is more popular. To view a list of companies in Round Lake, click here.

However you get your quotes, be sure to compare identical quote information for each comparison quote. If you have mixed coverages you will not be able to determine the lowest rate in Round Lake.

Why some people pay less for insurance in Round Lake

An important part of buying insurance is that you know the factors that play a part in calculating your car insurance rates. Knowing what influences your rates allows you to make educated decisions that can help you get big savings.

Shown below are some of the items companies use to determine your rates.

  • Your credit rating is important - Your credit score is a huge factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. So if your credit rating is low, you could pay less to insure your by spending a little time repairing your credit.
  • How's your driving record? - Good drivers tend to pay less for car insurance than their less careful counterparts. Even a single speeding ticket can increase rates twenty percent or more. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Liability insurance protects assets - Your policy's liability coverage is the coverage that protects you in the event that you are found to be at fault for damages from an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Males pay more for insurance - Statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. They both tend to get into accidents at a similar rate, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.

But I don't know anything about car insurance

When choosing coverage for your vehicles, there isn't really a best way to insure your cars. Every insured's situation is different.

These are some specific questions may help highlight if your situation might need an agent's assistance.

  • Does my insurance cover a custom paint job?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Illinois minimum liability coverage?

If you can't answer these questions but one or more may apply to you, you may need to chat with an agent. If you don't have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Car insurance ads bend the truth

Consumers can't get away from ads for cheaper car insurance by companies like Allstate and Progressive. All the ads have a common claim that you can save if you change to them.

How does each company make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that is profitable for them. A good example of a preferred risk could be between the ages of 30 and 50, a clean driving record, and has excellent credit. A customer that hits that "sweet spot" will get very good rates and most likely will save when switching.

Consumers who fall outside these standards will be charged higher prices and this can result in business going elsewhere. The ads say "drivers who switch" not "people who quote" save money. That is how insurance companies can make those claims.

That is why drivers must quote coverage with many companies. Because you never know which company will have the lowest rates.

In the end, you save

While you're price shopping online, never reduce coverage to reduce premium. Too many times, someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

We just showed you a lot of techniques to compare car insurance prices online. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a lesser-known regional company.

Lower-priced car insurance can be sourced from both online companies and with local Round Lake insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Illinois car insurance

Additional Illinois consumer information

More information can be read on the Illinois Department of Insurance website. Click here for link. Consumers can find out industry alerts, file complaints about a company, and find out which companies have the most complaints.