Free Guide to Spending Less for Roselle Auto Insurance Online

No one in their right mind looks forward to buying auto insurance, in particular when the cost is too high.

There are many to buy insurance from, and even though it's nice to have a choice, it makes it harder to compare rates.

It's important to check auto insurance prices periodically because insurance rates are constantly changing. Even if you got the best rates last year you may be paying too much now. There is too much inaccurate information about auto insurance on the web, but I'm going to show you some great ways to slash your auto insurance rates.

Roselle Auto Insurance Comparisons

Most major insurance companies like State Farm, GEICO and Progressive provide prices for coverage on the web. Getting online rates is fairly straightforward as you just type in your personal and coverage information into the quote form. Behind the scenes, the company's rating system will obtain information on your driving record and credit history and returns pricing information determined by many factors. Being able to quote online makes comparing rates easy, but the time it takes to visit different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to compare rates uses one simple form that gets price quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes online quotes much more efficient. Immediately after submitting the form, it gets priced and you can select any one of the returned quotes.

If a lower price is quoted, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To save time and find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This way, you will have an apples-to-apples comparison based on similar coverages.

What determines how much you pay?

It's important that you understand some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean women are better drivers. They both cause accidents at a similar rate, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
Traffic violations increase rates - Just one ticket can increase rates by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
Where you live can impact rates - Living in less populated areas can be a good thing when insuring your vehicles. City drivers have to deal with much more traffic and longer commute times. Less people living in that area means fewer accidents and a lower car theft rate.
Extra coverages can waste money - There are a ton of additional coverages that you can buy on your auto insurance policy. Coverages for personal injury protection, towing coverage and motor club memberships are examples of these. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate them to save money.

More discounts equal less premium

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them.

Accident Forgiveness - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Save over 55 - Older drivers may be able to get reduced rates.
Driver Safety - Taking part in a course in driver safety can save you 5% or more depending on where you live.
Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of companies who offer auto insurance discounts in Illinois, follow this link.

It's not one size fits all

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Should I buy only the required Illinois minimum liability coverage?
When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Additional information can be read on the website for the Illinois Department of Insurance located here. Illinois consumers can learn about insurance regulations, file complaints about a company, view agent and company licensing information, and discover disciplinary actions.

Shop smart and save

Cheaper auto insurance can be purchased online and with local Roselle insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of tips how to lower your auto insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .

When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. In many cases, someone dropped full coverage and found out when filing a claim that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford.