Staunton Auto Insurance For Less Than You're Paying Now

Buying affordable Staunton auto insurance on the internet can be impossible for beginners to buying insurance on the web. With so many choices of online companies, how can you possibly compare every one to find the best available price?

Save big with these discounts

Companies offering auto insurance do not advertise all available discounts very clearly, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy qualifies for this discount.
Discount for New Cars - Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Good Student Discount - A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
Fewer Miles Equal More Savings - Driving fewer miles could qualify for lower rates on the low mileage vehicles.

It's important to note that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

To see a list of insurers offering auto insurance discounts in Illinois, follow this link.

Low Cost Staunton Auto Insurance

There are several ways of comparing rate quotes from local Staunton auto insurance companies. The best method to find the lowest rates involves getting comparison quotes online. This can be done in a couple of different ways.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotes for each company you want a rate for. One form will return quotes instantly. It's definitely the quickest method.
A less efficient way to get quotes online is to take the time to go to each individual company website and fill out their own quote form. For sake of this example, we'll pretend you want comparison quotes from , and . To get each rate you have to spend time on each company's site and enter your information, and that's why the first method is more popular.

To view a list of companies in Staunton, click here.

It doesn't matter which method you choose, just make darn sure you compare identical coverages and limits for each comparison quote. If each company quotes different deductibles you will not be able to determine the lowest rate in Staunton. Just a small difference in limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes helps you find a lower rate.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Knowing what influences your rates enables informed choices that could result in much lower annual insurance costs.

Increase deductibles and save - Your deductibles represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply could be colliding with a building, collision with an animal, and burglary. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.
Mature drivers pay less - Teen drivers in Illinois are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. Adding a teenage driver to your auto insurance policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations.
Traffic violations increase rates - Only having one ticket can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to continue driving.
Drive less and save money - The more miles you rack up on your car in a year's time the more you'll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance policy shows how each vehicle is driven.
Don't buy coverages you don't need - There are many add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for roadside assistance, accidental death and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they're wasting money eliminate them to save money.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Every insured's situation is different.

These are some specific questions may help you determine if your situation might need professional guidance.

Can I afford to buy a different vehicle if my vehicle is totaled?
Should I file a claim if it's only slightly more than my deductible?
Should I buy only the required Illinois minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?
I have good health insurance, so how much medical payments coverage do I need?
What are the financial responsibility laws in Illinois?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance ads bend the truth

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies say the same thing that you can save if you switch to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the driver that is profitable for them. A good example of a profitable customer could possibly be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who fits that profile will qualify for the lowest rates and most likely will save when switching.

Consumers who fall outside these standards must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "people who quote" save that much. This is how insurance companies can advertise the way they do. This illustrates why drivers must get as many quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Final considerations

Lower-priced auto insurance is available online and also from your neighborhood Staunton agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, make sure you don't reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

In this article, we presented a lot of tips how to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the best prices are with a lesser-known regional company.

More sites with auto insurance information

Additional detailed information can be read at the Illinois Department of Insurance website. Illinois consumers can report car insurance fraud, read enforcement actions against agents and companies, and file complaints about a company.

Additional helpful sites include this link for Illinois auto insurance quotes and this page for help finding agents in Staunton, IL.