Willowbrook Auto Insurance For Less Than You're Paying Now

If you've never shopped for auto insurance online, it's easy to get confused by the large number of auto insurance companies competing for business in Willowbrook.

It's important to get comparison quotes occasionally because prices are constantly changing. Even if you got the best deal a couple years back there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to save on auto insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

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

Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women have accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Young males tend to get in the most accidents and are penalized with high auto insurance rates.
Clean credit earns discounts - Credit history is a huge factor in determining your rates. If your credit history is not that good, you could save money insuring your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit scores.
Where you live - Living in a small town can be a good thing when insuring your vehicles. Drivers in populated areas regularly have much more traffic and longer commute times. Lower population means reduced accidents and also fewer theft and vandalism claims.
Drive less and save money - Driving more miles each year the more you will pay for auto insurance. The majority of insurers apply a rate based on their usage. Autos that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance coverage shows the proper vehicle usage, because it can save money.

Automobile Insurance Quotes in Willowbrook, IL

There are several ways to shop for auto insurance, but there is one way that is easier and takes less work. You can spend your afternoon driving to insurance companies in Willowbrook, or you can stay home and use online quotes to get prices fast.

Most of the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each company then gives them pricing. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to getting quotes like this is you cannot specify which providers you want pricing from. If you would rather choose individual companies to compare rates, we have assembled a list of the cheapest auto insurance companies in Illinois. Click to view list.

It's up to you how you get prices quotes, just make absolute certain that you use identical information for every quote you compare. If you are comparing higher or lower deductibles you will not be able to determine the best price in Willowbrook. Having just a slight variation in limits could mean much higher rates. And when quoting auto insurance, remember that having more price comparisons helps you find the best price.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but lesser-known reductions have to be asked about prior to receiving the credit.

Accident Forgiveness - Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
Organization Discounts - Participating in a qualifying organization could trigger savings on auto insurance.
Payment Method - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.

Keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it just doesn't work that way. But any discount will bring down the amount you have to pay.

To choose companies who offer auto insurance discounts in Illinois, click this link.

Is there truth in advertising?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make the same claim that you can save after switching your policy. How does each company make almost identical claims? This is how they do it.

Different companies have a certain "appetite" for the right customer that makes them money. An example of a desirable insured could possibly be between 25 and 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can advertise the way they do.

Because of the profiling, you need to compare many company's rates. It's impossible to know which company will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there isn't really a cookie cutter policy. Every insured's situation is different.

For example, these questions might point out whether or not you would benefit from an agent's advice.

Does my policy cover me when driving someone else's vehicle?
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 happens if I owe more than my vehicle is worth?
Do I qualify for additional discounts?
What companies insure drivers after a DUI or DWI?
Are my tools covered if they get stolen from my vehicle?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

More information is available on the Illinois Department of Insurance website. Click here for link. Illinois consumers can learn about insurance regulations, find out industry alerts, and view agent and company licensing information.

Other informative sites include this site for Illinois auto insurance information and see this list of insurance agents in Willowbrook.

Affordable insurance is out there

Affordable auto insurance can be purchased online in addition to many Willowbrook insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, make sure you don't reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find for the lowest price.

Insureds change insurance companies for any number of reasons including denial of a claim, policy cancellation, delays in paying claims or even questionable increases in premium. Regardless of your reason, switching auto insurance companies is easier than you think.