Compare Taylor Ridge Auto Insurance Prices With These Methods

Are you overwhelmed by the crazy number of auto insurance options in Taylor Ridge? Many other drivers are as well. You have so many companies to choose from that it can turn into a challenge to locate the lowest price.

It's important to compare prices at least once a year since insurance rates are constantly changing. Despite the fact that you may have had the best price on your last policy there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you're about to learn one of the best ways to find better coverage at a better price.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get big savings.

The following are a few of the "ingredients" auto insurance companies consider when setting your rates.

Traffic citations inflate rates - Your driving record has a big impact on rates. Even a single moving violation can boost insurance rates by twenty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Extra coverages can waste money - There are a ton of extra coverages you can purchase if you aren't careful. Things like vanishing deductibles, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment at first, but if they're wasting money remove them from your policy.
Teen drivers pay high rates - Teenage drivers in Illinois are known to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and are safer drivers.
Poor credit can mean higher rates - Your credit history is a large factor in calculating your auto insurance rates. If your credit is not that good, you could save money insuring your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
Equipment add-ons that lower auto insurance rates - Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, vandalism, or theft. Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Occupations like lawyers, business owners and stock brokers tend to have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, occupations like actors, students and performers receive lower rates.

Quick Taylor Ridge Auto Insurance Quotes

There are several ways to compare auto insurance prices but there is one way that is easier and takes less work. You can spend your afternoon talking to agents in Taylor Ridge, or you can utilize online quoting for quick rates.

Most of the larger companies enroll in a system that allows shoppers to submit one quote, and each company can provide price quotes based on the submitted data. This saves time by eliminating quote forms to each individual auto insurance company.

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

One minor caviat to pricing coverage this way is that you can't choose which providers you will receive quotes from. So if you want to select specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in Illinois. Click to view list.

It's your choice how you get your quotes, but compare apples-to-apples coverage information with every price quote. If you enter unequal deductibles or liability limits it will be impossible to find the best deal in Taylor Ridge. Quoting even small variations in coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Be sure to get all your discounts

Companies don't always list every available discount very well, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Driver Safety - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with certain companies.
Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

To choose providers who offer auto insurance discounts in Illinois, click here to view.

Is there truth in advertising?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make an identical promise about savings after switching to their company. But how can every company say the same thing?

All the different companies are able to cherry pick for the driver that makes them money. For example, a preferred risk might be profiled as over the age of 40, has no tickets, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be charged a more expensive rate and ends up with business not being written. The ad wording is "people who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the savings. That is why you need to get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

Even more information can be found at the Illinois Department of Insurance website. Illinois drivers can file complaints about a company, discover disciplinary actions, and read enforcement actions against agents and companies.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Taylor Ridge insurance agents.

Shop smart and save

In this article, we covered many tips how you can compare auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with an unexpected company.

Cheap auto insurance can be bought on the web and also from your neighborhood Taylor Ridge agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.