Marion Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the sheer number of auto insurance company choices in Marion? Many other drivers are as well. There are so many choices that it can turn into a lot of work to find the perfect company for you.

It's important to compare rates at least once a year because prices are constantly changing. If you had the lowest rates two years ago the chances are good that you can find a lower rate today. So block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

Finding the best rates in Marion is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Illinois drivers only need an understanding of the proper way to shop for auto insurance online.

These discounts can lower your rates

Companies do not list every available discount very clearly, so we break down both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit possible, you're paying more than you need to.

Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
Life Insurance - Larger companies have a discount if you purchase life insurance.
More Vehicles More Savings - Buying coverage for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
Multi-policy Discount - When you combine your home and auto insurance with one insurance company you may save at least 10% off all policies.
Anti-lock Brake System - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
E-sign - A few companies will discount your bill up to fifty bucks simply for signing over the internet.

Consumers should know that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

To see a list of providers with the best auto insurance discounts in Illinois, click here to view.

Comprehensive Marion Auto Insurance Comparison Quotes

Most companies like Allstate and Progressive quote prices on their websites. This process is quite easy as you simply enter the coverage amounts you desire as detailed in the form. Once you submit the form, the company's rating system will obtain your credit score and driving record and gives you a price quote based on these and other factors.

This simplifies rate comparisons, but the process of having to visit each company's website and repetitively complete many quote forms is not the best way to spend an afternoon. But it's very important to have as many quotes as possible if you are searching for better auto insurance pricing.

The preferred way to find better auto insurance pricing uses one form to return rates from more than one company. The form is fast, reduces the work, and makes online shopping much easier to do. As soon as the form is sent, it is quoted and you are able to buy any one of the price quotes you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and input your coverage information. To compare your current rates, we recommend you input the insurance coverages identical to your current policy. This makes sure you will be getting comparison quotes based on the exact same insurance coverage.

You have some control over your rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that can help you get much lower annual insurance costs.

The list below includes a few of the "ingredients" auto insurance companies consider when setting your rates.

Multi-policy discounts can save money - The majority of insurers give discounts to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to compare rates to ensure the best deal. Consumers may find a better deal by buying auto insurance from a different company.
Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and lower injury rates means lower claim amounts and thus lower rates.
Keep rates low by being claim-free - Insurance companies in Illinois award lower rates to policyholders who are claim-free. If you are a frequent claim filer, you can expect higher rates. Your insurance policy is designed for the large, substantial claims.
More miles equals more premium - The more you drive in a year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance policy shows the correct driver usage.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be colliding with a building, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Where you live is a factor - Choosing to live in small towns and rural areas has it's advantages when insuring your vehicles. Drivers who live in large cities have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents.
How credit affects auto insurance rates - Your credit rating is a large factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores. If your credit history can use some improvement, you could pay less to insure your by spending a little time repairing your credit.

Are you falling for claims of savings?

Illinois consumers can't get away from ads that promise big savings by Allstate and Progressive. All the ads make an identical promise of big savings if you move to their company.

How does each company make almost identical claims?

Insurance companies are able to cherry pick for the driver that is profitable for them. For example, a preferred risk could possibly be between 25 and 40, has no tickets, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get the preferred rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be charged higher prices and ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everybody who quotes" save that much. That's the way insurance companies can confidently state the savings. That is why drivers must get a wide range of price quotes. It's impossible to know which auto insurance company will give you the biggest savings.

Best coverage at the best price

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cost effective auto insurance is definitely available online and also from your neighborhood Marion agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

People who switch companies do it for many reasons like policy non-renewal, delays in responding to claim requests, high rates after DUI convictions or delays in paying claims. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

Find out more about auto insurance

More tips and info about auto insurance can be found at the Illinois Department of Insurance website. Illinois consumers can read consumer alerts, find disaster information, and download brochures.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Marion agent directory.