Tremont Auto Insurance For Less Than You're Paying Now

Shopping online for Tremont auto insurance can be complicated if you're new to online price comparisons. Don't let that stop you because finding affordable coverage online is easier than you think.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Some discounts apply automatically when you complete an application, but some must be manually applied before they will apply.

  • Defensive Driving Course - Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Paperless Signup - A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

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

auto insurance in Tremont

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can take hours if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to local insurance agents in Tremont, or you could use online quotes to get prices fast.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and at least one company provides a quote for coverage. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only downside to using this type of system is you don't know exactly which carriers to get pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of companies who write auto insurance in Illinois. View list of Illinois insurance companies.

It doesn't matter which method you choose, just be sure to compare identical deductibles and coverage limits on every quote. If you use different values for each quote you can't possibly make a fair comparison in Tremont. Just a small difference in coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps you find better pricing.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that could result in big savings.

  • Do you need those extra coverages? - There are a lot of additional coverages that you can get tricked into buying if you aren't careful. Coverages for vanishing deductibles, accidental death and term life insurance are examples of these. These may sound like a good investment initially, but if they're wasting money eliminate them to save money.
  • Poor credit can mean higher rates - A driver's credit rating is a big factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit can use some improvement, you could pay less to insure your by spending a little time repairing your credit.
  • Car features impact rates - Owning a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Please use or commuting - The more you drive each year the more you'll pay to insure your vehicle. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Vehicles 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 policy shows the correct driver usage, because it can save money.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's.

For example, these questions may help highlight whether or not you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies say the same thing about savings if you move to their company. How does each company say the same thing? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that is profitable for them. An example of a profitable customer might be profiled as over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards must pay higher rates which usually ends up with business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the way they do.

This illustrates why drivers must get a wide range of price quotes. It's not possible to predict which company will provide you with the cheapest rates.

Do the work, save more money

Cheap auto insurance is possible on the web and also from your neighborhood Tremont agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered a lot of tips how to compare auto insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, unfair underwriting practices or delays in paying claims. Regardless of your reason, finding a new auto insurance company is actually quite simple.

Illinois auto insurance

Additional Illinois consumer information

Additional information is available on the Illinois Department of Insurance website found here. Illinois drivers can discover disciplinary actions, find out industry alerts, and view a list of available companies.

Additional helpful sites include this resource for Illinois auto insurance prices and this link which helps you find a Tremont agent.