Top Ways to Save on Roxana Auto Insurance

Expensive auto insurance can dwindle your personal savings and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to cut your insurance bill.

Online insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to check auto insurance prices yearly since insurance rates are constantly changing. If you had the lowest price on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

Save big with these discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Most are applied at quote time, but less common discounts must be inquired about in order for you to get them.

Auto/Life Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
Accident Free - Drivers who don't have accidents pay much less as compared to bad drivers.
Drivers Ed for Students - Have your child complete a driver education course in high school.
Military Rewards - Having a family member in the military can result in better rates.
Passive Restraints - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of companies with the best auto insurance discounts in Roxana, click this link.

How to Get Cheap Auto Insurance in Roxana, IL

There are several ways of comparing rate quotes from local Roxana auto insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The best way to get quotes is to use a rate comparison form (click to open form in new window). This form saves time by eliminating separate quote forms to each individual auto insurance company. A single, simple form gets you coverage quotes from many national carriers.
A less efficient way to get quotes online consists of going to the website for each individual company to complete a price quote. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Roxana, click here.

It doesn't matter which method you choose, just make sure you use exactly the same coverages for every company. If you have different limits and deductibles on each one you can't possibly decipher which rate is best in Roxana. Having just a slight variation in coverages can make a big difference in price. And when comparing auto insurance rates, know that quoting more will increase your chances of finding lower pricing.

What determines how much you pay?

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The list below includes a partial list of the pieces companies use to determine rates.

Big city or small town - Residing in less populated areas can be a good thing when buying auto insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers tend to have much more traffic to deal with and longer commute times. Longer commute distances means more change of being in an accident.
Please use or commuting - The more you drive in a year's time the more you will pay for auto insurance. Most companies price each vehicle's coverage based upon how you use the vehicle. Autos not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
Rates may be higher depending on your occupation - Jobs such as judges, executives and dentists tend to pay the highest average rates due to high stress levels and lots of time spent at work. Other professions such as pilots, historians and the unemployed have the lowest average rates.
More claims means more premium - Car insurance companies in Illinois give cheaper rates to insureds who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Safer cars are cheaper to insure - Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.

But I don't know anything about car insurance

When choosing the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's so this has to be addressed. These are some specific questions can help discover if your situation could use an agent's help.

When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
What companies insure drivers after a DUI or DWI?
Is my cargo covered for damage or theft?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance ads bend the truth

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to make the same claim about savings if you move to them. How can each company say the same thing? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as over the age of 40, has no prior claims, and has great credit. A propective insured who matches those parameters will get very good rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money which leads to business not being written. The ads say "customers who switch" not "people who quote" save money. This is how companies can truthfully advertise the savings.

Because of the profiling, drivers must compare many company's rates. It's not possible to predict which insurance companies will fit your personal profile best.

Shop smart and save

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best price.

In this article, we covered many ideas to compare auto insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding lower rates. Consumers may even find the lowest premiums are with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .

Learn more about auto insurance in Illinois

Additional information is located on the website for the Illinois Department of Insurance found here. Illinois drivers can view agent and company licensing information, file complaints about an insurance agent or broker, read industry bulletins, and download brochures.