6 Discounts Galatia Consumers Forget when Comparing Car Insurance

Searching for low-cost Galatia car insurance on the web can seem to be rather challenging for people who are new to online price comaprisons. When there are so many companies in the marketplace, how can you effectively compare them all to find the best available rates?

If you are insured now or need new coverage, you will benefit by learning to find the best rates and still get good coverage. This information will help educate you on the most effective way to quote insurance and some tips to save money. Illinois drivers only need an understanding of how to shop their coverage around online.

More discounts equal less premium

Companies that sell car insurance don't always publicize every discount in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • Claim Free - Drivers who don't have accidents pay less when compared to accident-prone drivers.
  • Own a Home - Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings - Having multiple cars or trucks with the same company qualifies for this discount.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way.

To choose insurance companies with the best car insurance discounts in Galatia, click this link.

Switch companies and save? Really?

Consumers can't ignore all the ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all make the same claim of big savings if you move your coverage to them.

How can each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of customer that makes them money. A good example of a driver they prefer could be over the age of 40, insures multiple vehicles, and has great credit. Any new insured who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be quoted higher prices which leads to business going elsewhere. Company advertisements say "drivers who switch" not "everyone that quotes" save that much money. This is how insurance companies can confidently advertise the savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

For more Illinois car insurance information

More tips and info about car insurance can be read at the Illinois Department of Insurance website. Consumers can read industry bulletins, get help finding coverage, and download brochures.

Best coverage at the best price

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, extreme rates for teen drivers or even policy cancellation. It doesn't matter why you want to switch switching car insurance companies is easier than you think.

Cost effective car insurance is possible from both online companies as well as from independent agents in Galatia, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don't offer online price quotes and these small insurance companies work with independent agents.

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.