If you’ve never shopped for auto insurance online, you may be confused by the hoards of companies competing for business in Aurora.
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.
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.
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 rates.
The list below includes some of the factors auto insurance companies consider when setting rates.
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.
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.
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!
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 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.
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.
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:
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.
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.