Free Guide to Paying Less for Spring Grove Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are lots of people in the same boat.

Numerous battle for your business, so it can be very hard to choose a and get the best coverage at the lowest price

It's important to get comparison quotes every six months since insurance rates are constantly changing. Just because you had the best deal two years ago you may be paying too much now. So just block out anything you think you know about auto insurance because it's time to teach you the proper way to save on auto insurance.

If you are paying for car insurance now, you will most likely be able to save some money using this information. Finding affordable coverage in Spring Grove is quite easy. Nevertheless, Illinois vehicle owners do need to know the way insurance companies sell insurance online and take advantage of how the system works.

How to Compare Auto Insurance in Spring Grove, Illinois

There are several ways to compare auto insurance prices but one way is less labor-intensive and much quicker. You could spend your day driving to insurance agencies in Spring Grove, or you could save time and use the web to accomplish the same thing much quicker.

All the larger companies participate in a marketplace that allows shoppers to send in one quote, and each participating company can provide price quotes. This saves time by eliminating repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The only downside to doing it this way is you are unable to specify which companies you will receive quotes from. If you prefer to choose specific insurance companies to compare rates, we have a listing of auto insurance companies in Illinois. Click here for list of insurance companies in Illinois.

It's up to you which method you use, but ensure you are comparing the exact same coverages and limits for each price quote. If you are comparing different deductibles it will be impossible to truly determine the lowest rate in Spring Grove. Quoting even small variations in coverage limits could mean much higher rates. Just remember that having more price comparisons will enable you to find a lower rate.

Illinois auto insurance

Understand what determines the rate you pay

It's important that you understand the different types of things that go into determining auto insurance rates. Understanding what determines base rates helps enable you to make changes that can help you get big savings.

Listed below are some of the factors that factor into your rates.

  • Traffic citations inflate rates - Your driving record impacts your car insurance rates tremendously. Even a single speeding ticket may increase your cost by twenty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, or theft. Deductibles for physical damage are the amount of money you are willing to pay before a claim is paid by your company. The more money the insured has to pay upfront, the less your auto insurance will be.
  • Protect yourself with liability coverage - Liability insurance provides coverage in the event that a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, business owners and accountants are shown to have higher rates than average because of job stress and lots of time spent at work. On the flip side, occupations like actors, athletes and homemakers pay the least.
  • More claims means more premium - Insurance companies in Illinois award better rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Pay less if you're married - Being married can actually save you money on your policy. Marriage usually means you are more mature and responsible and it's proven that being married results in fewer claims.

Be sure to get all your discounts

Companies offering auto insurance don't list every available discount in an easy-to-find place, so here is a list some of the best known as well as the least known savings tricks you should be using.

  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Homeowners Discount - Being a homeowner can help you save on auto insurance because owning a home requires personal responsibility.
  • Club Memberships - Affiliation with certain professional organizations is a good way to get lower rates on your policy.
  • No Claims - Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount with certain companies.
  • E-sign - A handful of insurance companies give back up to $50 simply for signing on their website.
  • Student Driver Training - Require your teen driver to take driver's ed class in school.

It's important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn't quite work that way.

For a list of providers offering auto insurance discounts in Spring Grove, click here to view.

More tips and info about auto insurance is available at the Illinois Department of Insurance website. Illinois drivers can file complaints about a company, report car insurance fraud, find out which companies have the most complaints, and read industry bulletins.

Final considerations

In this article, we covered some good ideas how you can lower your auto insurance rates. The key thing to remember is the more you quote, 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. Smaller companies can often provide lower rates in certain areas compared to the large companies like .

Low-cost auto insurance is available on the web in addition to many Spring Grove insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.