Virden Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the crazy number of auto insurance choices in Virden? You're not the only one! People have so many choices that it can turn into more work than you anticipated to find better rates.

It's important to take a look at other company's rates at least once a year since insurance rates are constantly changing. Despite the fact that you may have had the best price last year you can probably find a better price now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to one of the best ways to buy cheaper auto insurance.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. The purpose of this post is to tell you how to effectively get price quotes and some tips to save money. But Illinois vehicle owners do need to know the way companies compete online and apply this information to your search.

Virden Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

  • Drive less and save money - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
  • Little extras can really add up - There are a ton of extra coverages that you can buy if you aren't careful. Coverages like roadside assistance, towing coverage and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they're wasting money get rid of them and save.
  • Men pay higher rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both tend to get into accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • High crash test scores lower rates - Vehicles with good safety scores are cheaper to insure. These vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
  • Lower rates with optional equipment - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • With age comes lower rates - Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations. Teenage drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and windstorm damage. Your deductibles are how much you are required to spend before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.

Illinois auto insurance quotes

Take advantage of discounts

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you quote, but less common discounts must be asked for before you get the savings.

  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Driver Safety - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
  • Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Multiple Vehicles - Insuring multiple vehicles with the same company qualifies for this discount.
  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • No Accidents - Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Homeowners Discount - Owning a house in Virden may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.

Drivers should understand that most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will cut your overall premium however.

To choose companies who offer auto insurance discounts in Virden, follow this link.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to say the same thing that you'll save big after switching to their company. How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the driver that makes them money. For example, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and drives newer vehicles. A propective insured who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will have to pay a higher premium which usually ends up with business not being written. The ads say "drivers who switch" not "people who quote" save that much. That's the way companies can claim big savings.

Because of the profiling, you should compare as many rates as you can. It's not possible to predict which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Much more information about auto insurance in Illinois can be found on the Illinois Department of Insurance website. Click here for link. Illinois drivers can file complaints about an insurance agent or broker, discover disciplinary actions, and learn about insurance regulations.

auto insurance in Virden

The best insurance company isn't always the cheapest

When trying to cut insurance costs, you should never buy poor coverage just to save money. In many instances, an insured dropped physical damage coverage only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage for the lowest price.

Budget-conscious auto insurance can be bought on the web and also from your neighborhood Virden agents, and you should compare price quotes from both to have the best selection. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Consumers change insurance companies for any number of reasons including delays in paying claims, delays in responding to claim requests, denial of a claim or even unfair underwriting practices. No matter why you want to switch, switching auto insurance companies is easier than you think.