Car Insurance in Raritan - 7 Ways to Save Money

Scraping up a payment for overpriced car insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill. With consumers having so many choices, it can be hard to find the most affordable company.

It's important to get comparison quotes on a regular basis since rates are constantly changing. Even if you got the best deal a couple years back there is a good chance you can find better rates now. Starting right now, ignore everything you know about car insurance because we're going to show you the proper way to save on car insurance.

Buying affordable protection in Raritan is simple if you know the tricks. If you have a current car insurance policy or need new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Illinois vehicle owners just need to know the tricks to get comparison rates over the internet.

Raritan Car Insurance Prices Online

Reducing your insurance rates is not a difficult process. You just have to take time comparing rates from different insurance companies. This can be accomplished in a couple of different ways.

The fastest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing a different quote for every car insurance company. One form submission gets rate comparisons .
A different way to get quotes online is spending the time to visit each company website and complete a new quote form. For examples sake, let's assume you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker. To view a list of companies in Raritan, click here.
The least recommended way to get comparison rates is to drive around to different Raritan agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the personal advice of a local Raritan agent. However, consumers can find lower rates online and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but ensure you are comparing apples-to-apples information on every quote. If you use higher or lower deductibles then you won't be able to make a fair comparison in Raritan.

Save big with these seven discounts

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but some must be asked about before they will apply. If you don't get every credit you deserve, you are paying more than you should be.

Good Student Discount - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
Accident Waiver - Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Multi-policy Discount - If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
Government Employees - Employees or retirees of the government can save as much as 8% with certain companies.
Organization Discounts - Belonging to a professional or civic organization is a good way to get lower rates on your policy.
Own a Home - Being a homeowner can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.

Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way. But all discounts will help reduce your overall premium however.

To choose providers who offer car insurance discounts in Illinois, click here to view.

Car insurance ads bend the truth

Consumers can't ignore all the ads for car insurance savings from companies such as State Farm and Allstate. All the ads make an identical promise that you'll save big after switching your policy.

But how can every company make the same claim? It's all in the numbers.

All companies have a preferred profile for the right customer that makes them money. An example of a preferred risk could be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be charged higher rates and ends up with business going elsewhere. The ads state "customers who switch" not "people who quote" save that kind of money. This is how companies can advertise the way they do.

That is why you need to get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Much more information about car insurance in Illinois is available on the website for the Illinois Department of Insurance found here. Consumers can file complaints about a company, get help finding coverage, view agent and company licensing information, and find out industry alerts.

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

A tidy conclusion

You just learned many tips how you can compare car insurance prices online. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like .

Discount car insurance can be purchased from both online companies in addition to many Raritan insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.