Free Guide to Saving Money on Rushville Auto Insurance Online

Expensive auto insurance can empty your savings account and put a big crunch on your finances. Comparison shopping is a great way to help make ends meet.

There is such a variety of to buy insurance from, and even though it's nice to be able to choose, so many choices can make it hard to compare rates.

It's important to get comparison quotes quite often because insurance rates are constantly changing. Just because you found the lowest price last year you can probably find a better price now. There is a lot of bad information regarding auto insurance on the web, but we're going to give you some great ways to quit paying high auto insurance rates.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

  • Bundling policies can get discounts - Many insurance companies give discounts to customers who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible.
  • With age comes lower rates - Teen drivers in Illinois are known to be less responsible when driving so they pay higher auto insurance rates. If you've ever had to add a teen driver onto your auto insurance can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Being married is a good thing - Having a wife or husband can get you a discount on auto insurance. Marriage usually means you are more responsible and it's proven that married drivers get in fewer accidents.
  • Safer cars cost less to insure - Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates.
  • No coverage gaps is important - Allowing your auto insurance policy to lapse will be a quick way to pay more for auto insurance. Not only will you pay more, but not being able to provide proof of insurance will get you a license revocation or jail time.You may have to submit proof of financial responsibility or a SR-22 with the Illinois motor vehicle department.

Rushville auto insurance quote

Save big with these discounts

Car insurance is not cheap, but companies offer discounts that you may not know about. Some discounts apply automatically when you quote, but a few must be asked for prior to getting the savings.

  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Resident Student - Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • E-sign - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Military Discounts - Being deployed with a military unit may qualify for rate reductions.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • No Claims - Drivers who don't have accidents pay much less compared to accident-prone drivers.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

To choose providers who offer auto insurance discounts in Illinois, click here.

Auto insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim about savings after switching your policy. How does each company make almost identical claims?

All companies have a preferred profile for the right customer that makes them money. For instance, a preferred risk could possibly be over the age of 50, insures multiple vehicles, and has great credit. A driver that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards will be charged a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "people who quote" save that kind of money. This is how companies can truthfully advertise the savings.

That is why you should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

But I don't know anything about car insurance

When buying the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help you determine if your situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in Illinois?
  • Why does it cost so much to insure a teen driver in Rushville?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving my company car?
  • Am I covered when delivering products for my home-based business?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I pay less if my vehicle is kept in my garage?

If you can't answer these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Additional information is located on the website for the Illinois Department of Insurance located here. Illinois consumers can read consumer alerts, read enforcement actions against agents and companies, get help finding coverage, and find disaster information.

Rushville auto insurance comparison

Shop smart and save

As you prepare to switch companies, never buy poor coverage just to save money. Too many times, drivers have reduced collision coverage and learned later that the small savings ended up costing them much more. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Cheap auto insurance can be sourced online in addition to many Rushville insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.