Never Buy Aurora Illinois Auto Insurance Without Knowing These Money Saving Tips

If you’ve never shopped for auto insurance online, you may be confused by the hoards of companies competing for business in Aurora.

Compare the Market for Auto Insurance in Aurora, Illinois

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm give pricing directly from their websites. Getting quotes is pretty easy as you just enter the coverages you want into the quote form. Behind the scenes, the company’s rating system orders credit information and your driving record and provides a quote based on these factors.

This streamlines rate comparisons, but having to visit each company’s website and repetitively enter the same data into a form is not the best way to spend an afternoon. But it is imperative to perform this step in order to get the best price on auto insurance in Aurora.

The preferred way to find cheaper rates uses one form that analyzes rates from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. Immediately after you send the form, it is rated and you can select any of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

If you want to compare rates now, click here and submit the form. If you have your current policy handy, we recommend you enter just like they are on your policy. Doing this assures you will receive comparison quotes for exact coverage.

Don’t believe everything you hear

Illinois drivers constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you change your coverage to them.

How does each company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and has excellent credit. A propective insured who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Potential customers who fall outside the requirements will have to pay higher prices which usually ends up with the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can advertise the way they do.

Because of the profiling, you absolutely need to get quotes from several different companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Understand what determines the rate you pay

It’s important that you understand some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with better auto insurance quote Illinois

The list below includes some of the factors auto insurance companies consider when setting rates.

  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Younger drivers pay higher rates – Youthful drivers in Illinois tend to be less responsible when driving so they pay higher auto insurance rates. Parents adding a teen driver onto a policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Marriage brings a discount – Getting married can get you a discount on your policy. It means you’re more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Always keep insurance in force – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with the Illinois motor vehicle department.
  • Don’t skimp on liability – Liability coverage is the protection if ever you are found to be at fault for damages from an accident. It will provide legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Discounts can save BIG

The price of auto insurance can be rather high, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but less common discounts must be manually applied prior to getting the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Low Mileage – Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates.
  • Distant Student – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.

It’s important to note that many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will cut your premiums.

To see a list of providers who offer auto insurance discounts in Aurora, click here to view.

Neighborhood agents for auto insurance

A small number of people prefer to talk to a local agent and there is nothing wrong with that. Good agents can point out coverage gaps and help in the event of a claim. The biggest benefit of getting online price quotes is you can get the lowest rates and still choose a local agent. And supporting local businesses is important especially in Aurora.

Upon completion of this simple form, your information is instantly submitted to participating agents in Aurora who will return price quotes for your business. There is no need to leave your house as quotes are delivered to the email address you provide. It doesn’t get any easier!

Pick the best auto insurance agent in Aurora for you

If you’re trying to find a good Aurora insurance agent, you must know there are a couple types of insurance agents from which to choose. Aurora agents are either captive or independent. Either one can insure your vehicles, but it’s important to know how they differ because it can influence your agent selection.

Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, it’s recommended you include price quotes from multiple independent agents for the best price selection.Many can place coverage with different regional companies which can save you money.

Below is a list of independent agents in Aurora who can help you get price quotes.

  • Javier Andrade Agency – 900 N Lake St # 5 – Aurora, IL 60506 – (630) 897-9711
  • Insurance Marketing Svc Inc – 4260 Westbrook Dr – Aurora, IL 60504 – (630) 585-1212
  • Floro-Majer Agency Inc – 229 W Illinois Ave – Aurora, IL 60506 – (630) 896-9676
  • Dave Gruhlke Agency – 31 W Downer Pl – Aurora, IL 60506 – (630) 896-6603
  • J N Morcos Insurance – 201 S Constitution Dr – Aurora, IL 60506 – (630) 892-3900
Captive Agents

Captive agencies can only write with one company such as State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide prices from multiple companies so always compare other rates. Captives are usually quite knowledgeable on the products they sell which can be an advantage. Consumers sometimes buy from captive agents partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Below are Aurora captive agencies willing to provide price quotes.

  • State Farm Insurance – 1118 Prairie St # C – Aurora, IL 60506 – (630) 896-7606
  • Allstate Insurance – 2946 Ogden Ave – Aurora, IL 60504 – (630) 585-7077
  • Farmers Insurance Group – 758 Pennsylvania Ave – Aurora, IL 60506 – (630) 378-1476
  • American Family Insurance – 2424 W Indian Trl – Aurora, IL 60506 – (630) 907-0774

To view a complete directory of captive agents in Aurora, click here to link.

Selecting an insurance agency requires more thought than just the bottom line cost. These questions are important to ask:

  • Can they provide you with a list of referrals?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they feel the quoted coverages are adequate?
  • Which insurance companies are they affiliated with?
  • Do they review policy coverages at every renewal?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Who are their largest clients?

Upon receiving positive responses to all your questions and an affordable coverage quote, you’ve probably found an auto insurance agent that meets your needs to adequately provide auto insurance.

Compare but don’t skimp

We just presented some good ideas how you can get a better price on auto insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the best price on auto insurance is with a lesser-known regional company.

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

The cheapest auto insurance can be purchased from both online companies and with local Aurora insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

Much more information about auto insurance in Illinois is available on the Illinois Department of Insurance website located here. Consumers can view a list of available companies, learn about insurance regulations, and read industry bulletins.