Top Ways to Save on Stone Park Auto Insurance

Paying for high-priced auto insurance can empty your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and although it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices on a regular basis because prices are constantly changing. Just because you found the best deal on your last policy there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with big savings.

  • Lower miles equals lower premium - Driving more miles in a year's time the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because it can save money.
  • Discounts for married couples - Being married can get you a discount on your auto insurance policy. It means you're more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Liability coverage is cheap - Liability coverage is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Women pay lower rates - Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. They both have accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • More than one policy can earn a discount - Many auto insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to ensure the best deal.

Illinois auto insurance quotes

Which Auto Insurance is Cheapest in Stone Park, Illinois?

Effectively comparing auto insurance prices can take time and effort if you don't understand the most efficient way to do it. You can spend your afternoon driving to insurance agencies in Stone Park, or you can stay home and use online quoting to achieve your goal.

Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to pricing coverage this way is you are unable to specify which providers you want to price. So if you want to choose specific insurance companies to compare, we put together a list of the cheapest auto insurance companies in Illinois. Click to view list.

It's up to you how you get prices quotes, just ensure you are comparing identical quote information with every price quote. If you use mixed coverages it will be very difficult to find the best deal in Stone Park. Having just a slight variation in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate the best offered rates.

Be sure to get all your discounts

Companies don't always list all their discounts very clearly, so here is a list both well-publicized and the harder-to-find ways to save on auto insurance.

  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company qualifies for this discount.
  • Payment Method - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Organization Discounts - Participating in a qualifying organization could trigger savings on auto insurance.
  • Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

To choose companies who offer auto insurance discounts in Illinois, click this link.

Is there truth in advertising?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to make the same claim about savings after switching to their company. How does each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the driver that makes them money. An example of a desirable insured could possibly be a mature driver, insures multiple vehicles, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings. Because of the profiling, you need to get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

Even more information is available at the Illinois Department of Insurance website. Illinois consumers can file complaints about an insurance agent or broker, get help finding coverage, find out which companies have the most complaints, and view a list of available companies.

Affordable insurance is out there

When you buy insurance online, never reduce coverage to reduce premium. In many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage for the lowest price.

Cheaper auto insurance can be sourced online and also from your neighborhood Stone Park agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these smaller companies sell through independent agents.