Free Guide to Saving Money on Sigel Auto Insurance Online

Having to pay for overpriced auto insurance can take a big chunk out of your savings account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to get comparison quotes yearly since insurance rates are constantly changing. Just because you had the lowest price a couple years back there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to find out the proper way to find better coverage at a better price.

If you have insurance now or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Buying car insurance in Sigel is quite easy. Illinois drivers only need an understanding of the tricks to get comparison quotes online.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

Teen drivers pay high rates - More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are statistically proven to get distracted easily when driving and because of this, their auto insurance rates are much higher.
Where you live is a factor - Residing in a rural area can be a good thing when buying auto insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. City drivers tend to have much more traffic to deal with and a longer drive to work. Longer commute distances means more change of being in an accident.
Clean credit earns discounts - Credit score is a large factor in determining what you pay for auto insurance. So if your credit is lower than you'd like, you could save money insuring your by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit.
Too many auto insurance claims drive up costs - Car insurance companies in Illinois award cheaper rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
The more you drive the more you pay - The more miles you rack up on your car in a year's time the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.

Compare Auto Insurance Today

Reducing your insurance rates is not a difficult process. Just invest a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in several 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 auto insurance company. A single, simple form will return quotes .
A less efficient way to compare rate quotes is to take the time to go to each company's website and complete a new quote form. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method.

To view a list of companies in Sigel, click here.

It's your choice how you get your quotes, but make sure you use exactly the same coverages and limits on every quote. If you compare different deductibles it will be impossible to make a fair comparison in Sigel.

Take advantage of discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so we researched some of the best known and the more hidden savings tricks you should be using. If you aren't receiving every discount you deserve, you are paying more than you should be.

College Student - Kids in college who are attending college and do not have a car may qualify for this discount.
Bundle and Save - If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
Air Bag Discount - Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in school.
Government Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
No Claims - Drivers who don't have accidents pay much less as compared to accident-prone drivers.
Organization Discounts - Affiliation with a civic or occupational organization is a good way to get lower rates on auto insurance.
Military Discounts - Being on active duty in the military could mean lower rates.

Consumers should know that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don't profit that way.

To choose companies offering auto insurance discounts in Sigel, click here to view.

Are auto insurance companies telling the truth?

Illinois drivers can't ignore all the ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings if you switch your policy.

How can each company say the same thing?

All companies have a preferred profile for the right customer that makes them money. For instance, a desirable insured might be profiled as over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher rates and ends up with business not being written. The ads say "people who switch" not "people who quote" save that kind of money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which insurance companies will provide you with the cheapest rates.

How to know if you need help

When buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone's needs are different so your insurance should reflect that These are some specific questions can help discover whether your personal situation may require specific advice.

Do I pay less if my vehicle is kept in my garage?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Do I have coverage for damage caused while driving under the influence?
Will I be non-renewed for getting a DUI or other conviction?
Are rental cars covered under my policy?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

More tips and info about auto insurance is located at the Illinois Department of Insurance website. Illinois drivers can read enforcement actions against agents and companies, view agent and company licensing information, find out industry alerts, and download brochures.

And the best car insurance company is...

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to purchase plenty of coverage at an affordable rate.

In this article, we covered many tips how you can compare auto insurance prices online. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. Consumers could even find that the biggest savings come from an unexpected company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like .