Car Insurance in Vienna - 10 Ways to Save Money

Expensive car insurance can dwindle your checking account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Consumers have many to buy insurance from, and although it's nice to have a choice, it can be more difficult to compare rates.

It's important to compare rates yearly since rates are constantly changing. Even if you got the best deal on your last policy you may be paying too much now. So just ignore everything you know about car insurance because we're going to show you the only way to properly buy coverages and cut your premium.

Where Can I Get Cheap Vienna Car Insurance?

Most major insurance companies like Allstate and Progressive allow you to get prices on their websites. Getting quotes is quite easy as you simply enter your required coverages as detailed in the form. Behind the scenes, their rating system will obtain information on your driving record and credit history and generates pricing information. Quoting online simplifies rate comparisons, but the time it takes to visit several different sites and enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step in order to find the best price on car insurance.

A less time-consuming method to compare car insurance pricing is to use a quote form to return rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. After sending your information, it is rated and you can select any one of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you input the coverage information exactly as shown on your declarations page. This way, you will receive rate comparison quotes based on similar coverages.

Are you getting all your discounts?

Companies offering auto insurance don't list every available discount very clearly, so here is a list some of the more common and the harder-to-find ways to save on car insurance.

Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
Auto/Life Discount - Some companies give a discount if you purchase life insurance.
Accident Waiver - Certain companies will allow you to have one accident without raising rates if you are claim-free for a set time period.
New Car Discount - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Drivers Education - Require your teen driver to take driver's ed class if it's offered in school.
Government Employees - Simply working for the federal government could cut as much as 10% off with certain companies.
Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts may earn rate discounts up to 30%.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Multiple Vehicles - Buying coverage for multiple vehicles on one policy qualifies for this discount.
Multi-policy Discount - When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.

It's important to note that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck.

For a list of providers who offer car insurance discounts in Illinois, click this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every insured's situation is different so this has to be addressed. For instance, these questions can help discover whether you might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in Illinois?
Does my policy cover me when driving someone else's vehicle?
Who is covered when they drive my vehicle?
Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Additional detailed information is available at the Illinois Department of Insurance website. Consumers can find out industry alerts, view agent and company licensing information, file complaints about an insurance agent or broker, and learn about insurance regulations.

Affordable insurance is out there

When you buy insurance online, never reduce needed coverages to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Lower-priced car insurance can be purchased from both online companies and also from your neighborhood Vienna agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.