9 Tricks to Save on Car Insurance in Vandalia

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you there are a lot of people in Vandalia just like you who feel imprisoned by their car insurance policy. Drivers have multiple to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates every six months since rates are constantly changing. Despite the fact that you may have had the lowest rates two years ago there may be better deals available now. So block out anything you think you know about car insurance because we're going to show you the tricks you need to know to reduce your cost while increasing coverage.

Finding the lowest cost protection in Vandalia is not that difficult. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Illinois vehicle owners just need to know the best way to compare rates over the internet.

Vandalia car insurance comparison

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be specially asked for prior to getting the savings. If you're not getting every credit possible, you're just leaving money on the table.

  • 55 and Retired - Older drivers may be able to get better car insurance rates.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • No Charge for an Accident - Certain companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • No Accidents - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Payment Method - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Sign Online - Certain companies will give a small break for buying a policy and signing up over the internet.

Consumers should know that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down the amount you have to pay.

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

How to Compare Car Insurance Quotes in Vandalia, Illinois

Finding a better price on car insurance can be quick and easy. Consumers just need to take time comparing price quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

One of the best ways to get quotes for comparison is a comparison rater form click here to open form in new window. This method eliminates the need for multiple quote forms for every car insurance company. Filling out one form will get you rate comparisons from multiple low-cost companies.

A different way to shop for car insurance online requires you to visit each company's website to complete their respective quote request forms. For sake of this example, let's say you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, and that's why the first method is more popular. For a list of links to companies insuring cars in Vandalia, click here.

The least efficient method to get comparison rates is to spend your day driving to different Vandalia agent offices. Buying insurance online makes this process obsolete unless you have a need for the personal advice of a local Vandalia agent. You can, however, compare online quotes but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just ensure you are comparing identical coverage information on every quote you get. If each company quotes unequal deductibles or liability limits you will not be able to determine which rate is truly the best in Vandalia.

A tidy conclusion

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed 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 for the lowest price.

Discount car insurance can be bought from both online companies and also from your neighborhood Vandalia agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.