Free Guide to Saving Money on Tuscola Auto Insurance Online

No one in their right mind cherishes buying auto insurance, particularly when their premiums are through the roof. There are many to buy insurance from, and though it is a good thing to have a choice, it makes it harder to compare rates.

It's important to check auto insurance prices occasionally because prices are constantly changing. Even if you got the lowest rates two years ago you may be paying too much now. Starting right now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to save money, get proper coverage and the best rates.

Automobile Insurance Quotes in Tuscola, IL

Getting better auto insurance pricing is actually quite simple. Just take a few minutes to compare quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do multiple quote forms to each individual auto insurance company. A single form gets rate comparisons from multiple low-cost companies.

A slightly less efficient method to compare rate quotes is spending the time to visit each company's website to complete their respective quote request forms. For sake of this example, we'll pretend you want to compare , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Tuscola, click here.

The least efficient method to get comparison rates is to spend time driving to insurance agents' offices. The internet makes this process obsolete unless you want the trained guidance only provided by licensed Tuscola agents. You can, however, compare the best prices online and still use a local agent. We'll cover that shortly.

Whichever way you use, make absolute certain that you use identical information on every quote you get. If each company quotes higher or lower deductibles you can't possibly determine which rate is truly the best in Tuscola.

What determines how much you pay?

It's important that you understand some of the elements that help determine the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Older drivers save more - Youthful drivers in Illinois are known to be more careless behind the wheel so they pay higher auto insurance rates. If you've ever had to add a youthful driver to your policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
Better credit means lower rates - Credit history is a big factor in determining your rates. So if your credit score is not that good, you could be paying less to insure your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Please use or commuting - Driving more miles each year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
Marriage pays dividends - Having a spouse can get you a discount when buying auto insurance. It is viewed as being more responsible and statistics show married couples file fewer claims.

Take advantage of discounts

Companies offering auto insurance don't necessarily list all their discounts very clearly, so we break down both the well known and also the lesser-known auto insurance savings. If you're not getting every credit you qualify for, you're just leaving money on the table.

College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Sign Online - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
Accident Forgiveness - Certain companies allow you one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren't that generous.

For a list of companies who offer auto insurance discounts in Illinois, follow this link.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's so your insurance needs to address that. These are some specific questions might point out whether your personal situation might need professional guidance.

What are Illinois no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Illinois?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Illinois?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and you can get the answers you need.

Even more information can be found at the Illinois Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, file complaints about an insurance agent or broker, and get help finding coverage.

A tidy conclusion

When buying insurance coverage, never reduce needed coverages to save money. There are many occasions where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price.

Cheap auto insurance can be purchased both online and with local Tuscola insurance agents, so compare prices from both to have the best selection. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

We covered many ways to lower your auto insurance rates. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small mutual company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like .