Learn How to Find the Cheapest Price on Aurora Auto Insurance

Nobody I know enjoys paying for auto insurance, especially knowing the cost is too high.

There are many insurers to pick from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare company pricing.

Consumers should take time to get comparison quotes once or twice a year because prices go up and down regularly. Despite the fact that you may have had the best deal a few years ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about auto insurance because I’m going to teach you how to use online quotes to find lower rates on auto insurance.

Vehicle Insurance Comparison

The are a couple different ways of comparing price quotes from auto insurance companies in your area. The best method to find competitive insurance rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. The best way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for multiple quote forms to each individual auto insurance company. One form submission gets you price quotes instantly.
  2. A more time consuming way to get quotes online is spending the time to visit the website for every company you want to comare to complete a price quote. For sake of this example, we’ll pretend you want to compare Liberty Mutual, State Farm and GMAC. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in Aurora, click here.

It’s up to you which method you use, but be sure to compare exactly the same quote information on every quote you get. If your comparisons have higher or lower deductibles it will be next to impossible to make a fair comparison in Aurora. Slightly different coverage limits could mean much higher rates. And when comparison shopping, comparing a large number of companies helps you find a lower rate.

Cut your auto insurance rates with discounts

Car insurance companies do not list every available discount in a way that’s easy to find, so we researched both well-publicized and the more hidden auto insurance savings.price insurance in Illinois

  • Accident Forgiveness – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • No Accidents – Drivers who don’t have accidents pay much less compared to drivers who are more careless.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates than drivers with accidents.
  • Low Mileage Discounts – Fewer annual miles can earn a substantially lower rate.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply until age 25.

It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that could result in lower auto insurance prices.

  • Bad driving skills means higher rates – Careful drivers have lower premiums than bad drivers. Even one citation can boost insurance rates twenty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Do you qualify for a multi-policy discount? – Most auto insurance companies will give a discount to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by splitting coverages up.
  • Car features impact rates – Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Marriage brings a discount – Getting married actually saves money on auto insurance. Having a significant other means you’re more mature it has been statistically shown that drivers who are married are more cautious.
  • Your auto insurance rates can be influenced by your job – Occupations like doctors, business owners and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other jobs such as farmers, historians and the unemployed have the lowest average rates.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Should I drop comprehensive coverage on older vehicles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I have combined single limit or split liability limits?
  • Where can I get insurance after a DUI in Illinois?
  • Who is covered by my policy?
  • Am I covered when driving someone else’s vehicle?
  • Does my vehicle qualify for pleasure use?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Additional detailed information is located at the Illinois Department of Insurance website. Illinois consumers can read consumer alerts, discover disciplinary actions, find out which companies have the most complaints, and find out industry alerts.

compare rates in Aurora Illinois

Keep this in mind

You just read many ways to shop for auto insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced auto insurance comes from a small local company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.

When shopping online for auto insurance, don’t be tempted to reduce needed coverages to save money. There are too many instances where an accident victim reduced collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

Discount auto insurance can be found from both online companies and also from your neighborhood Aurora agents, so compare prices from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.