Best Way to Find the Cheapest Verona Car Insurance

Finding lower premiums on Verona car insurance is a challenge for consumers new to shopping for insurance online. People have so many companies to choose from that it can easily become a challenge to compare prices in Verona.

Take advantage of discounts

Companies don't always list every discount in a way that's easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you aren't receiving every discount available, you are throwing money away.

Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
Employee of Federal Government - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
Passive Restraints - Cars that have air bags can qualify for discounts of 20% or more.
Service Members Pay Less - Being deployed with a military unit could mean lower rates.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
New Car Discount - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

Verona Rates are Influenced by These Factors

Smart consumers have a good feel for the factors that go into determining your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to big savings.

High numbers of claims are not good - If you tend to file frequent claims, you can definitely plan on higher rates. Companies in Illinois generally give cheaper rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
Credit scores impact car insurance rates - Having a bad credit score is a big factor in your rate calculation. So if your credit rating is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit.
How many coverages with the same company - Most insurance companies provide better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you're getting this discount it's still a good idea to compare other company rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
Older drivers pay less - Mature drivers are more cautious drivers, file fewer claims and receive fewer citations. Young drivers are statistically proven to be more careless in a vehicle and because of this, their car insurance rates are much higher.
Tickets mean higher rates - A bad driving record has a huge affect on how much you pay. Careful drivers get better rates than bad drivers. Even a single moving violation can boost insurance rates by twenty percent. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.
Safer cars are cheaper to insure - Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Are you male or female? - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. They both tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
Liability coverage is cheap - Liability insurance will protect you when you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Allstate and GEICO. They all have a common claim about savings if you switch to their company.

How can each company make the same claim? It's all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. An example of a driver they prefer could be a mature driver, is a homeowner, and has excellent credit. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Drivers who don't qualify for the requirements will be quoted a higher premium and this can result in business going elsewhere. The ads say "customers who switch" not "people who quote" save that much. That's why companies can truthfully make those claims. This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

Learn more today

Even more information is available at the Illinois Department of Insurance website. Consumers can download brochures, find out industry alerts, and read consumer alerts.

In the end, you save

Drivers switch companies for a variety of reasons including extreme rates for teen drivers, poor customer service, policy cancellation and even not issuing a premium refund. No matter why you want to switch, finding a new car insurance company is less work than it seems.

You just learned a lot of ways to reduce car insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the best price on car insurance is with some of the smallest insurance companies.

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.