7 Discounts Dieterich Drivers Forget when Shopping for Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparing price quotes is a great way to tighten up your finances.

Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ads and it is difficult to sift through the bull and find the best price available.

It's important to compare rates quite often since rates are constantly changing. If you had the best deal six months ago you will most likely find a better rate today. So ignore everything you know about car insurance because we're going to show you the only way to properly buy coverages and cut your premium.

If you currently have car insurance, you will be able to save some money using this information. Finding affordable coverage in Dieterich is quite easy. Nevertheless, Illinois car owners do need to know how companies determine prices and take advantage of how the system works.

Policy discounts you shouldn't miss

Companies that sell car insurance do not list all their discounts in a way that's easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving.

Sign Online - Some insurance companies will give a small break simply for signing digitally online.
55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Service Members Pay Less - Being deployed with a military unit can result in better rates.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Life Insurance Discount - Larger companies have better rates if you take out life insurance from them.
Own a Home - Owning a house in Dieterich can save you money because of the fact that having a home requires personal responsibility.

It's important to understand that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is a little different and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from an agent's advice.

Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Illinois?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Save $429 a year? Really?

Car insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to have a common claim of big savings if you move to their company. How can each company make the same claim?

Different companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured could be between 25 and 40, insures multiple vehicles, and has a high credit rating. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher prices and this can result in business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently state the savings. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

More tips and info about car insurance is available at the Illinois Department of Insurance website. Consumers can get help finding coverage, learn about insurance regulations, download brochures, and view a list of available companies.

Final considerations

Low-cost car insurance is possible from both online companies and also from your neighborhood Dieterich agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford.