Follow These Ultimate Techniques for Saving Money on Rockford, IL Car Insurance

Are you sick and tired of scraping the payment together to insure your vehicles every month? You’re in the same situation as most other car owners in Illinois.

Many insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and get the best coverage at the lowest cost out there.

Where Can I Get Cheap Rockford Car Insurance?

Most companies provide coverage prices directly from their websites. Obtaining pricing is pretty easy as you just type in your coverage information into the quote form. When the form is submitted, their rating system automatically retrieves credit information and your driving record and gives you a price quote based on these and other factors. Being able to quote online makes comparing rates easy, but the time required to go to each company’s website and repetitively type in the same information can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for a better rate.

Quote rates the easy way

The easiest way to locate the lowest prices uses one simple form that gets price quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes quoting online much easier. Once the form is submitted, your coverage is rated and you are able to buy any one of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To compare rates now, click here to open in new window and enter your information. To compare your current rates, we recommend you input the coverage information exactly as they are listed on your policy. Doing this assures you will receive rate comparison quotes based on similar coverages.

Slick advertising tricks that work

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to say the same thing that you can save if you switch your policy. But how can every company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that makes them money. A good example of a desirable insured might be profiled as over the age of 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who fall outside the “perfect” profile must pay higher premiums and this can result in business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save money. That is how companies can claim big savings. This illustrates why drivers must get as many quotes as possible. It’s impossible to know which company will have the lowest rates.

Be sure to get all your discounts

Car insurance companies do not advertise every discount very clearly, so we researched both well-publicized and also the lesser-known discounts you could be receiving.

• Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
• Drive Safe and Save – Safe drivers may save up to 50% more than drivers with accidents.
• Save over 55 – Mature drivers may be able to get a small decrease in premiums.
• Discount for New Cars – Insuring a new car can cost up to 25% less compared to insuring an older model.
• Student in College – Children who are attending college and don’t have a car may qualify for this discount.
• Life Insurance – Some companies give a discount if you purchase life insurance from them.
• Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
• Federal Employees – Simply working for the federal government can save as much as 8% with a few car insurance companies.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
• Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

To see a list of providers with the best car insurance discounts in Rockford, click here to view.

How do I know if I need professional advice?

When buying adequate coverage, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions might point out whether your personal situation could use an agent’s help.

• Is borrowed equipment or tools covered if stolen or damaged?
• Do I have coverage when making deliveries for my home business?
• What if I total my vehicle and owe more than it’s worth?
• Does my medical payments coverage pay my health insurance deductible?
• At what point should I drop full coverage?
• Does my insurance cover a custom paint job?
• What is high-risk coverage and where do I buy it?
• What is covered by UM/UIM coverage?
• Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

More detailed Illinois car insurance information is available at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, find out which companies have the most complaints, and read industry bulletins.

Additional helpful sites include III.org’s auto insurance page and this resource to find Rockford, IL insurance agents.

In conclusion

We’ve covered many tips how you can get a better price on car insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced car insurance comes from the least-expected company. They can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

When buying insurance coverage, never reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.