Somonauk Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance options in Somonauk? Many other drivers are as well. People have so many options available that it can turn into a ton of work to find the perfect company for you.

It's important to check auto insurance prices every six months because prices are constantly changing. Just because you had the best rates a few years ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance on the internet, so we're going to give you some great ways to save money.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Locating affordable coverage in Somonauk can be fairly easy. But Illinois consumers do need to know how insurance companies sell insurance online.

Be sure to get all your discounts

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be manually applied before they will apply.

Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Homeowners Discount - Being a homeowner may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
Accident Free - Drivers with accident-free driving histories pay less compared to bad drivers.
No Charge for an Accident - A handful of insurance companies allow you one accident before raising your premiums if you are claim-free for a certain period of time.
Discount for Good Grades - A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.
Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
Multi-policy Discount - When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

To see a list of providers offering auto insurance discounts in Somonauk, follow this link.

How to Compare Auto Insurance Quotes in Somonauk, Illinois

Comparing auto insurance rates is a ton of work if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with local insurance agents in Somonauk, or you could use online quotes to get rate comparisons in just a few minutes.

Many insurance companies participate in an industry program that allows shoppers to send in one quote, and at least one company can give them a price based on that data. This eliminates the need for quote requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to using this type of system is you don't know exactly which carriers you want to price. If you prefer to choose individual companies to receive pricing from, we have a page of companies who write auto insurance in Illinois. Click here for list of insurance companies in Illinois.

Whichever way you use, ensure you are comparing exactly the same coverages and limits on every quote. If you have different deductibles then you won't be able to make a fair comparison in Somonauk. Just a small difference in insurance coverages can make a big difference in price. Just remember that quoting more will improve the odds of getting a lower rate.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better auto insurance rates.

Consolidate policies to earn discounts - Most companies give discounts to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it's still a good idea to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by buying insurance from more than one company.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be collision with another vehicle, collision with an animal, or theft. Your deductibles are the amount of money you are willing to pay before your auto insurance pays a claim. The more expense you're willing to pay, the less your auto insurance will be.
Better credit means lower rates - Your credit score is a big factor in calculating your auto insurance rates. If your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokers, architects and dentists tend to pay the highest average rates due to stressful work requirements and long work hours. Other occupations like actors, historians and homemakers have the lowest average rates.
Are you male or female? - Statistics demonstrate women are more cautious behind the wheel. That doesn't necessarily mean that women are better drivers. Men and women have accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Cautious drivers pay less - Your driving record has a huge affect on how much you pay. Good drivers get better rates than bad drivers. Just one ticket can increase rates forty percent or more. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

Is there truth in advertising?

Companies like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads say the same thing that you'll save big if you switch to them. How can each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the type of driver that is profitable for them. A good example of a preferred risk might be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher rates which usually ends up with the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save money. That's the way companies can advertise the way they do.

That is why drivers must get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Budget-conscious auto insurance is available both online and with local Somonauk insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We covered many ways to compare auto insurance prices online. The key thing to remember is the more quotes you get, the better chance you'll have of finding lower rates. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Much more information about auto insurance in Illinois can be read on the Illinois Department of Insurance website found here. Visitors are able to read consumer alerts, report car insurance fraud, and find out industry alerts.