Find the Cheapest Wheaton Auto Insurance

Are you overwhelmed by the number of auto insurance options in Wheaton? Lot's of other consumers are too. You have so many choices that it can turn into more work than you anticipated to find better rates.

It's important to get comparison quotes at least once a year since insurance rates are constantly changing. Just because you found the best deal last year you may be paying too much now. So block out anything you think you know about auto insurance because it's time to teach you the only way to save on auto insurance.

If you have car insurance now, you will most likely be able to save some money using this information. This article will tell you how car insurance quotes work and some tips to save money. But Illinois vehicle owners do need to know the way companies sell online and take advantage of how the system works.

How to Compare Wheaton Auto Insurance Costs

There are several ways to compare auto insurance prices and some are more efficient than others. You could spend your day driving to agents in Wheaton, or you can stay home and use the web to get rates in a matter of minutes.

All the larger companies participate in a marketplace that allows shoppers to submit one quote, and at least one company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you can't choose which companies you want to price. So if you want to select specific providers for rate comparison, we have a page of the cheapest auto insurance companies in Illinois. Click to view list.

It's your choice how you get your quotes, but compare exactly the same quote information for each comparison quote. If each company quotes mixed coverages you will not be able to determine the lowest rate in Wheaton. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons will increase your chances of finding the best offered rates.

Illinois auto insurance quotes

Understand what determines the rate you pay

It's important that you understand the different types of things that help determine auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

The following are some of the factors that factor into rates.

  • Drive less and save money - Driving more miles in a year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Little extras can really add up - There are a ton of extra coverages that you can buy if you aren't careful. Insurance for vanishing deductibles, towing coverage and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Pay less after the wedding - Being married can get you a discount on your policy. It usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Too many auto insurance claims drive up costs - Car insurance companies in Illinois award cheaper rates to people who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Don't cancel a policy without a new one in place - Allowing your auto insurance policy to lapse will be a fast way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage will get you a revoked license or a big fine.
  • Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, business owners and dentists are shown to have the highest average rates in part from stressful work requirements and lengthy work days. Other occupations like actors, historians and performers pay the least.
  • Optional equipment can affect rates - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so here is a list some of the best known and the harder-to-find savings tricks you should be using.

  • Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Drive Less and Save - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Homeowners Discount - Owning a house in Wheaton can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course if it's offered in school.
  • Seat Belts Save - Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • No Claims - Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

Consumers should know that most discounts do not apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, companies don't profit that way.

For a list of companies who offer auto insurance discounts in Wheaton, click here to view.

More detailed Illinois auto insurance information is available at the Illinois Department of Insurance website. Illinois drivers can file complaints about an insurance agent or broker, discover disciplinary actions, and get help finding coverage.

auto insurance in Wheaton

Affordable insurance is out there

As you prepare to switch companies, it's not a good idea to reduce needed coverages to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible for the lowest price.

Discount auto insurance can be sourced on the web in addition to many Wheaton insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and most of the time these smaller companies sell through independent agents.

People change insurance companies for any number of reasons including delays in paying claims, delays in responding to claim requests, an unsatisfactory settlement offer and extreme rates for teen drivers. Regardless of your reason, switching auto insurance companies is not as hard as you think.