Free Guide to Paying Less for Oblong Car Insurance Online

Are you tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other drivers in Illinois.

You have multiple to buy insurance from, and although it's nice to be able to choose, having more makes it harder to compare rates.

Finding affordable coverage in Oblong is easy if you know what you're doing. In a nutshell, every vehicle owner who is required by state law to have car insurance will most likely be able to save money. But Illinois consumers do need to know how insurance companies determine prices and apply this information to your search.

Why some people pay less for insurance in Oblong

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay allows you to make educated decisions that could result in lower car insurance prices.

Better crash test results mean better rates - Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
Rates may be lower depending on your job - Occupations such as lawyers, architects and financial analysts tend to pay higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations like farmers, engineers and the unemployed have the lowest average rates.
Save money with special equipment - Driving a car with an alarm system can get you a discount on your car insurance. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
With age comes lower rates - Youthful drivers in Illinois tend to get distracted easily in a vehicle so they pay higher car insurance rates. Mature drivers are more responsible, tend to file fewer claims and are safer drivers.
Multi-policy discounts can save money - The majority of companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
Do you need the policy add-ons? - There are a lot of extra bells and whistles that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don't need them eliminate them to save money.
Your spouse saves you money - Having a spouse actually saves money when buying car insurance. Having a spouse is viewed as being more mature than a single person and it's proven that drivers who are married are more cautious.
Sex matters - The statistics show that women are safer drivers than men. However, don't assume that women are better drivers. Women and men have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.

Be sure to get all your discounts

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

Military Rewards - Having a deployed family member can result in better rates.
Accident Free - Claim-free drivers can save substantially when compared with accident-prone drivers.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Student in College - Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
Defensive Driving Course - Completing a defensive driving course could save 5% or more if your company offers it.
One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Good Students Pay Less - This discount can get you a discount of up to 25%. This discount can apply up to age 25.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Save with a New Car - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears it's possible to get free car insurance, companies wouldn't make money that way.

To choose insurers with the best car insurance discounts in Illinois, follow this link.

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies say the same thing that you'll save big if you move to them. How does each company claim to save you money?

All companies can use profiling for the type of driver that makes them money. For example, a profitable customer might be over the age of 50, is a homeowner, and chooses high deductibles. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards must pay more money which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That's why companies can state the savings. This illustrates why you should get as many quotes as possible. You cannot predict the company that will give you the biggest savings.

More detailed Illinois car insurance information can be found at the Illinois Department of Insurance website. Visitors are able to find disaster information, read industry bulletins, view a list of available companies, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Budget-conscious car insurance is possible both online and with local Oblong insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.