Trenton Auto Insurance For Less Than You're Paying Now

Are you intimidated by the number of auto insurance company choices in Trenton? You're not the only one! You have so many companies to choose from that it can turn into a real challenge to compare prices.

It's important to shop coverage around every six months because prices are constantly changing. Just because you had the best deal a few years ago you will most likely find a better rate today. So block out anything you think you know about auto insurance because you're going to get a crash course in the only way to find better rates and still maintain coverage.

These discounts can lower your rates

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be manually applied before being credited.

  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Homeowners Discount - Being a homeowner may trigger a auto insurance policy discount because owning a home requires personal responsibility.
  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Clubs and Organizations - Participating in a civic or occupational organization could qualify you for a break on your policy.

It's important to note that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears it's possible to get free car insurance, you're out of luck. But any discount will reduce the cost of coverage.

Trenton auto insurance quote

Are you falling for claims of savings?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing that you can save if you switch your coverage to them. How can each company make almost identical claims?

All companies are able to cherry pick for the type of customer that earns them a profit. An example of a preferred risk could possibly be between 30 and 50, has no driving citations, and has a short commute. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be charged higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that much money. That's the way insurance companies can make the claims of big savings.

That is why you should quote coverage with many companies. It's impossible to know which auto insurance company will fit your personal profile best.

More information is available on the Illinois Department of Insurance website located here. Illinois consumers can read consumer alerts, report car insurance fraud, and find out industry alerts.

Shop smart and save

As you shop your coverage around, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance is available online as well as from independent agents in Trenton, so compare prices from both in order to have the best price selection to choose from. Some insurance providers don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

You just read a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the best prices are with a small local company.