Easy Tips to Spend Less on Sugar Grove Auto Insurance

Are you overwhelmed by the dozens of auto insurance options in Sugar Grove? You're not the only one! There are so many options that it can turn into a real hassle to find lower rates.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Knowing what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Theft deterrents lower rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Drive a safer car and pay less - Vehicles with high crash test scores get lower rates. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Having a spouse can save you money - Having a wife or husband helps lower the price on auto insurance. Having a significant other usually means you are more mature and it's statistically proven that being married results in fewer claims.
Claim-free discounts can add up - Companies in Illinois generally give lower rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
Clean credit earns discounts - Having a bad credit score is a large factor in calculating your auto insurance rates. Consumers who have good credit tend to be less risk to insure than drivers with lower ratings. If your credit is low, you could save money insuring your by spending a little time repairing your credit.
Do you need those extra coverages? - There are quite a few extra coverages that can waste your money if you aren't careful. Coverages for vanishing deductibles, accident forgiveness and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.

Policy discounts you shouldn't miss

Car insurance companies don't always publicize every discount very clearly, so we researched some of the best known and the more hidden discounts you could be receiving. If you're not getting every credit possible, you are paying more than you should be.

Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles could be rewarded with a substantially lower rate.
Multiple Cars - Buying insurance for all your vehicles with the same company could earn a price break for each car.
Homeowners Discount - Simply owning a home can save you money because maintaining a house shows financial diligence.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off with a few auto insurance companies.

Keep in mind that some credits don't apply the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way.

To choose insurance companies with discount auto insurance rates in Illinois, click here.

Save $429 a year? Really?

Illinois drivers can't ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all have a common claim that you can save if you change your policy.

How does each company say the same thing?

Insurance companies are able to cherry pick for the right customer that makes them money. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and has excellent credit. A propective insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be quoted higher premiums and this can result in business not being written. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can make those claims. This emphasizes why you should compare as many rates as you can. It's not possible to predict which auto insurance company will have the lowest rates.

Find out more about auto insurance

Additional detailed information is located at the Illinois Department of Insurance website. Illinois drivers can view a list of available companies, find disaster information, and find out which companies have the most complaints.

Best coverage at the best price

Drivers leave their current company for many reasons like extreme rates for teen drivers, delays in responding to claim requests, lack of trust in their agent or even an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is easier than you think.

Affordable auto insurance can be sourced on the web in addition to many Sugar Grove insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not provide online price quotes and these small, regional companies work with independent agents.

While you're price shopping online, never buy poor coverage just to save money. There have been many situations where an insured dropped collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.