Villa Grove Auto Insurance For Less Than You're Paying Now

Finding the best price on Villa Grove auto insurance can be complicated if you've never compared online rate quotes. But don't let that discourage you because we're going to show you how.

It's important to do rate comparisons periodically since insurance rates are constantly changing. If you had the best deal a year ago there may be better deals available now. So just forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to remove unneeded coverages and save money.

Villa Grove auto insurance quote

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 best known and the more hidden auto insurance savings.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Military Rewards - Having a deployed family member can result in better rates.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

For a list of providers with the best auto insurance discounts in Illinois, follow this link.

How to Get Villa Grove Auto Insurance Comparison Quotes

Most major insurance companies like Allstate and Progressive provide pricing directly from their websites. Getting online quotes is pretty easy as you simply enter your personal and coverage information as detailed in the form. Once entered, their system will obtain reports for credit and driving violations and returns a price.

This makes comparing rates easy, but having to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it's very important to perform this step if you want to find the best price on auto insurance.

A more efficient way to compare rates requires only one form to return rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online a little more enjoyable. After your information is entered, it gets priced and you are able to buy any one of the quotes that you receive. If the quotes result in lower rates, it's easy to complete the application and purchase coverage. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

To quickly find out if lower rates are available, click here to open in new window and input your coverage information. If you have a policy now, it's recommended you duplicate deductibles and limits identical to your current policy. This helps ensure you will receive rate quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's needs are different.

For instance, these questions may help highlight whether you might need an agent's assistance.

  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • Who is covered when they drive my vehicle?
  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions, you may need to chat with an agent. If you don't have a local agent, fill out this quick form.

The best insurance company isn't always the cheapest

While you're price shopping online, make sure you don't sacrifice coverage to reduce premiums. Too many times, someone dropped comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

In this article, we covered a lot of information how to get a better price on auto insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from an unexpected company.

Consumers who switch companies do it for many reasons like policy cancellation, poor customer service, high rates after DUI convictions and delays in paying claims. Regardless of your reason for switching companies, finding the right auto insurance provider is not as hard as you think.