Davis Auto Insurance For Less Than You're Paying Now

If price shopping auto insurance online is new to you, you can be overwhelmed by the vast number of auto insurance companies offering insurance in Davis.

It's important to check auto insurance prices occasionally because prices are constantly changing. If you had the lowest price a few years ago you may be paying too much now. There is a lot of bad information regarding auto insurance online, so we're going to give you some great ways to slash your auto insurance rates.

Finding Auto Insurance in Davis, IL

Most major insurance companies such as State Farm and Allstate provide prices for coverage directly from their websites. This process is fairly straightforward as you simply enter your coverage preferences as detailed in the form. Behind the scenes, the company's rating system will obtain information on your driving record and credit history and generates a price.

Quoting online makes comparing rates easy, but the time required to go to different websites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to compare as many rates as possible if you want to find the best price on auto insurance.

A less time-consuming method to get multiple rate quotes uses one form that analyzes rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online shopping much simpler. After sending the form, it gets priced and you are able to buy any of the returned quotes. If you find a better price you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you duplicate the insurance coverages as close as possible to your current policy. This way, you will be getting a price comparison based on similar coverages.

What determines how much you pay?

It's important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get better auto insurance rates.

The list below includes a partial list of the pieces companies use to determine your rates.

Careful drivers pay lower rates - Even a single citation can increase rates by twenty percent. Good drivers get better rates than people who have multiple driving citations. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
Discounts for multiple policies - The majority of insurers give discounts to customers who consolidate policies with them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you're getting this discount it's still a good idea to shop around to make sure you are getting the best deal.
Save money with special equipment - Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
Liability coverage is cheap - The liability section of your policy is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. Liability provides legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.

Are you getting all your discounts?

Car insurance companies do not advertise every available discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known savings tricks you should be using. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

Sign Early and Save - Some companies give discounts for switching policies before your current policy expires. It can save you around 10%.
Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
Club Memberships - Participating in certain professional organizations is a good way to get lower rates on your policy.
Homeowners Savings - Being a homeowner can help you save on auto insurance because of the fact that having a home shows financial diligence.
Good Student - Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky.

For a list of providers with the best auto insurance discounts in Davis, click here to view.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else's.

For instance, these questions might point out whether you would benefit from an agent's advice.

Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have any recourse if my insurance company denies a claim?
Are rental cars covered under my policy?
When do I need to add a new car to my policy?
Should I buy only the required Illinois minimum liability coverage?
Do I need PIP (personal injury protection) coverage in Illinois?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It's fast, free and you can get the answers you need.

Even more information is located at the Illinois Department of Insurance website. Illinois consumers can file complaints about a company, read consumer alerts, and view a list of available companies.

In the end, you save

You just read some good ideas how you can lower your auto insurance rates. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even find the most savings is with a small mutual company.

As you shop your coverage around, never reduce needed coverages to save money. There have been many cases where an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

People who switch companies do it for a variety of reasons including high prices, policy non-renewal, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company is not as hard as you think.