Top Ways to Save on Smithton Auto Insurance

No one looks forward to paying for auto insurance, especially knowing they are paying too much. Big companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices periodically since insurance rates are constantly changing. If you had the best rates two years ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

If you are insured now or need new coverage, you can learn to find the best rates while maximizing coverage. Finding the best rates in Smithton is not that difficult. Illinois consumers only need to know the most effective way to shop for auto insurance online.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Accident Forgiveness - A handful of insurance companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Claim Free - Good drivers with no accidents pay less as compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Homeowners Savings - Owning a house in Smithton may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

Different people need different coverages

When it comes to buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's needs are different so this has to be addressed. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?

If it's difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Illinois drivers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm, GEICO and Progressive. They all seem to make the same claim about savings if you move your coverage to them.

How can each company say the same thing?

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as a mature driver, a clean driving record, and chooses high deductibles. A propective insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay higher prices which leads to business not being written. The ads state "customers that switch" not "everybody who quotes" save that much money. That is how companies can truthfully state the savings.

Because of the profiling, you should get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

Additional Illinois consumer information

Additional information can be read on the website for the Illinois Department of Insurance located here. Illinois drivers can learn about insurance regulations, find out industry alerts, read industry bulletins, and download brochures.

Illinois auto insurance

Best coverage at the best price

The cheapest auto insurance is definitely available on the web as well as from independent agents in Smithton, and you need to price shop both so you have a total pricing picture. Some insurance companies don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented many ideas to reduce auto insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a small local company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .