Free Guide to Paying Less for Sandoval Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you're not alone.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with TV and radio ads and consumers find it hard to sift through the bull and find the best price available.

If you currently have car insurance, you will be able to cut costs considerably using this information. Finding affordable coverage in Sandoval is easy if you know what you're doing. But Illinois consumers do need to know the way companies sell online because it can help you find the best coverage.

Be sure to get all your discounts

Companies don't always advertise all available discounts in a way that's easy to find, so we researched both the well known and also the lesser-known discounts you could be receiving.

Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with a substantially lower rate.
Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
Paperless Signup - Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
Seat Belt Usage - Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
Anti-theft System - Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
Discount for Swiching Early - Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

Consumers should know that some credits don't apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, companies don't profit that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that could result in better car insurance rates.

Shown below are a partial list of the pieces car insurance companies consider when setting premiums.

Liability coverage is peace of mind - Your policy's liability coverage provides coverage if you are found liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Safer cars are cheaper to insure - Safer cars get lower rates. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Theft deterrents lower rates - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Having a spouse can save you money - Having a wife or husband helps lower the price on car insurance. Having a spouse means you're more mature than a single person and statistics show being married results in fewer claims.
Never let your coverage lapse - Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance can result in a license revocation or jail time.
Consolidate policies to earn discounts - Some insurance companies will award you with lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it's still a good idea to compare other company rates to ensure the best deal. Drivers may still find a better deal by buying insurance from more than one company.
Performance influences rates - The performance level of the car you are insuring makes a huge difference in determining your rates. Economy passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.

Is there truth in advertising?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies have a common claim that you'll save big if you change to their company. How can each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the driver that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any driver that hits that "sweet spot" will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements must pay higher premiums and this can result in the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save that much. That's the way companies can advertise the way they do. This illustrates why drivers should get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest rates.

More detailed Illinois car insurance information is located at the Illinois Department of Insurance website. Visitors are able to find out which companies have the most complaints, find disaster information, view a list of available companies, and get help finding coverage.

The best insurance company isn't always the cheapest

Discount car insurance can be sourced both online and also from your neighborhood Sandoval agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for car insurance, it's not a good idea to skimp on coverage in order to save money. In too many instances, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.