Car Insurance in Golconda - 7 Discounts You Might be Unaware of

Are you sick and tired of paying out the nose each month for car insurance? You're in the same situation as most other car owners in Illinois. With consumers having so many choices, it can be challenging to find the best insurance company.

It's important to take a look at other company's rates once or twice a year since rates are constantly changing. Even if you got the best price last year you can probably find a better price now. Forget all the misinformation about car insurance because you're about to learn the only way to find the best coverage while lowering your premiums.

Save big with these seven discounts

Companies offering auto insurance don't list every available discount very well, so we took the time to find some of the more common and the harder-to-find car insurance savings. If you don't get every credit available, you are paying more than you should be.

Passive Restraints and Air Bags - Vehicles with factory air bags can receive discounts up to 30%.
Service Members Pay Less - Having a deployed family member could mean lower rates.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Early Signing - Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
Resident Student - Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
Organization Discounts - Belonging to a professional or civic organization could qualify you for a break on your policy.
Low Mileage - Driving fewer miles can earn lower rates on the low mileage vehicles.

Keep in mind that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way.

To choose providers offering car insurance discounts in Illinois, follow this link.

Car insurance ads bend the truth

Consumers can't ignore all the ads for the lowest price auto insurance by State Farm and Allstate. All the ads say the same thing that you can save if you switch to their company.

But how can every company make the same claim? This is how they do it.

All the different companies can use profiling for the driver that makes them money. For example, a preferred risk could be between the ages of 30 and 50, has no tickets, and drives newer vehicles. Any new insured who fits that profile will get very good rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be charged a more expensive rate which usually ends up with business going elsewhere. The ads say "drivers who switch" not "people who quote" save that much. That's why insurance companies can claim big savings. That is why you should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

More Illinois car insurance information

Additional detailed information can be found at the Illinois Department of Insurance website. Consumers can find out industry alerts, view a list of available companies, file complaints about a company, and read enforcement actions against agents and companies.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Golconda insurance agents.

And the best car insurance company is...

You just learned a lot of information how to save on car insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than their larger competitors like .

When trying to cut insurance costs, don't be tempted to buy poor coverage just to save money. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.