Top Ways to Save on Saunemin Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are many Saunemin consumers feeling the pinch from expensive auto insurance.

Insurance companies such as GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices every six months since insurance rates are constantly changing. If you had the lowest price six months ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you're about to find out one of the easiest ways to find better coverage at a better price.

Policy discounts you shouldn't miss

Companies do not advertise all their discounts in a way that's easy to find, so we researched some of the best known and the more hidden discounts you could be receiving.

Life Insurance Discount - Some companies give better rates if you take out a life insurance policy as well.
Memberships - Affiliation with a civic or occupational organization may earn a discount on auto insurance.
Drivers Ed for Students - Have your child complete a driver education course in high school.
No Accidents - Drivers with accident-free driving histories pay much less as compared to bad drivers.
Pay Upfront and Save - By paying your policy upfront instead of paying each month you may reduce your total bill.

It's important to note that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you're out of luck.

To see a list of companies with the best auto insurance discounts in Saunemin, click here.

Compare Quotes for Saunemin Auto Insurance

The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

The best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This type of form prevents you from having to do boring form submissions for every auto insurance company. Filling out one form will return price quotes from all major companies.
A less efficient way to shop for auto insurance online consists of visiting the website for each individual company to complete their respective quote request forms. For instance, we'll assume you want to compare rates from , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Saunemin, click here.

However you get your quotes, ensure you are comparing exactly the same deductibles and coverage limits on every quote you get. If you use different values for each quote it will be impossible to determine which rate is truly the best in Saunemin. Slightly different limits may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting better pricing.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with lower auto insurance prices.

The more you drive the more you pay - The more you drive in a year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on their usage. Cars left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
Liability insurance protects assets - The liability section of your policy provides coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Too many auto insurance claims drive up costs - Car insurance companies in Illinois generally give cheaper rates to drivers who are claim-free. If you file claims often, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
Rates may be lower depending on your job - Jobs such as judges, social workers and dentists tend to have the highest average rates attributed to high stress and lengthy work days. Other occupations like actors, historians and the unemployed receive lower rates.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Being married is a good thing - Having a wife or husband actually saves money on auto insurance. It means you're more mature and it's statistically proven that being married results in fewer claims.

Save $429 a year? Really?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to have a common claim that you can save if you move to their company. How can each company say the same thing?

All companies are able to cherry pick for the driver that is profitable for them. For instance, a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and has a high credit rating. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will have to pay a higher premium and this can result in business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can state the savings. Because of the profiling, drivers must get a wide range of price quotes. It's not possible to predict which auto insurance company will have the lowest rates.

Affordable insurance is out there

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate.

Lower-priced auto insurance is possible on the web and also from your neighborhood Saunemin agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Additional detailed information is located at the Illinois Department of Insurance website. Illinois drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, download brochures, and read industry bulletins.