Consumer Tested Strategies to Save on Colfax Auto Insurance

No one looks forward to buying auto insurance, particularly when their premiums are too high.

Drivers have so many to buy insurance from, and although it's a good thing to have a choice, too many choices makes it more difficult to compare rates.

auto insurance in Colfax

More discounts equal less premium

Companies offering auto insurance don't list all available discounts very clearly, so we researched both the well known as well as the least known auto insurance savings.

  • Safety Course Discount - Completing a defensive driving course can save you 5% or more depending on where you live.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Student in College - Children who are attending college and don't have a car may be able to be covered for less.
  • Paperless Signup - Certain companies may give you up to $50 just for signing your application over the internet.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

For a list of insurers with discount auto insurance rates in Illinois, follow this link.

Finding Auto Insurance Deals in Colfax, IL

Most major insurance companies like 21st Century, Allstate and State Farm allow you to get price estimates online. This process is quite simple as you just enter your coverage preferences into the quote form. Once entered, the system will obtain your credit score and driving record and generates pricing information based on these factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find a lower rate.

A more efficient way to get multiple rate quotes uses one form that gets prices from more than one company. It's a real time-saver, reduces the work, and makes online shopping much more enjoyable and efficient. After sending the form, it is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it's recommended you input the limits and deductibles as shown on your current policy. This helps ensure you will be getting a fair comparison based on identical coverages.

It's not one size fits all

When it comes to choosing the best auto insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that might point out if you would benefit from an agent's advice.

  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Colfax?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Final considerations

Affordable auto insurance can be sourced both online as well as from independent agents in Colfax, so you should compare both in order to have the best price selection to choose from. Some insurance providers don't offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We covered a lot of tips how to get a better price on auto insurance. It's most important to understand that the more companies you get rates for, the better chance you'll have of finding lower rates. You may even discover the most savings is with a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as .