Proven Ways to Save on Westchester Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you are not the only one feeling buyer's remorse. Multiple compete to insure your vehicles, so it can be very hard to choose a and uncover the absolute lowest price

It's important to compare prices every six months since insurance rates are constantly changing. If you had the best rates a few years ago you may be paying too much now. There is a lot of bad information regarding auto insurance on the internet, so we're going to give you some great ways to slash your auto insurance rates.

Comprehensive Westchester Auto Insurance Comparison

Getting better auto insurance pricing doesn't have to be difficult. Just invest a few minutes comparing price quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form saves time by eliminating repetitive form entry for every auto insurance company. Filling out one form will return price quotes direct from many companies.

A harder way to compare rate quotes consists of visiting the website for each individual company to complete a price quote. For instance, let's say you want to compare rates from , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.

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

It's up to you how you get prices quotes, just ensure you are comparing the exact same deductibles and coverage limits for every company. If you are comparing different values for each quote it's impossible to decipher which rate is best in Westchester.

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that come into play when calculating auto insurance rates. Understanding what influences your rates enables informed choices that can help you get lower auto insurance prices.

The list below includes some of the items auto insurance companies consider when setting your rates.

Discounts for multiple policies - The majority of auto insurance companies give discounts to people who carry more than one policy. It's known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, you still need to shop around to ensure the best deal. Consumers may find a better deal by splitting coverages up.
Liability insurance protects assets - The liability section of your policy provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Lower rates with optional equipment - Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
Rates may be lower depending on your job - Occupations like real estate brokers, executives and accountants tend to have higher rates than average because of high stress and lengthy work days. On the flip side, professions such as actors, athletes and the unemployed receive lower rates.
Proper usage rating affects rates - The more you drive in a year the higher your rates will be. Most insurance companies price each vehicle's coverage based on their usage. Autos left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy is showing the correct driver usage.
Sex matters - Statistics demonstrate that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. Women and men tend to get into accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.

Take advantage of discounts

Car insurance companies do not advertise every available discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If they aren't giving you every credit possible, you're just leaving money on the table.

Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Club Memberships - Affiliation with certain professional organizations could trigger savings on your policy.
Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
No Accidents - Drivers with accident-free driving histories pay less compared to frequent claim filers.
Auto/Life Discount - Some companies give lower rates if you buy a life insurance policy as well.

It's important to note that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates it's possible to get free car insurance, you're out of luck.

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

Additional detailed information can be read at the Illinois Department of Insurance website. Illinois drivers can read consumer alerts, find out which companies have the most complaints, view a list of available companies, and read industry bulletins.

And the best car insurance company is...

As you shop your coverage around, never reduce needed coverages to save money. Too many times, someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance is possible on the web and also from your neighborhood Westchester agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.