8 Excellent Ways to Slash Car Insurance Cost in Aurora

Comparison shopping for Aurora car insurance is hard for consumers not familiar with comparing rates online. There are so many choices that it can quickly become a real hassle to find the best price in Aurora.

Discounts are basically free money

Companies don’t list all their discounts very well, so here is a list some of the more common and the harder-to-find ways to save on car insurance. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Federal Employees – Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Defensive Driving Course – Taking part in a driver safety course could save 5% or more depending on where you live.
  • Drivers Education – Have your child complete a driver education course if it’s offered in school.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy over the internet.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurance companies with discount car insurance rates in Illinois, click this link.

Low Cost Aurora Car Insurance

There are several ways to compare car insurance quotes, but there is one way that is more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in Aurora, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most of the larger companies take part in a program that enables customers to submit their information once, and every company provides a quote determined by their information. This prevents consumers from doing form submissions to each individual car insurance company.

To find out what other companies charge click here to open in new window.

The single downside to doing it this way is you cannot specify which companies to get quotes from. So if you prefer to pick specific insurance companies to compare, we have a page of car insurance companies in Illinois. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverages and limits on every quote you get. If each company quotes mixed coverages you will not be able to determine which rate is truly the best in Aurora.

Decisions you make can impact your rates

It’s important that you understand the factors that go into determining car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Listed below are some of the factors used by your company to calculate your rates.

  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. The safest vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you if ever you are found liable for damages from an accident. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Illinois give discounts to drivers who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • Bundling policies can get discounts – Most companies give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by splitting coverages up.
  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more you’re willing to pay, the less your company will charge you for insurance.
  • Lower rates come with age – Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.

Which insurance is the “right” coverage?

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Do I benefit by insuring my home with the same company?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving in Canada or Mexico?
  • Should I sign the liability waiver when renting a car?
  • Will my rates increase for filing one claim?
  • What if I don’t agree with a claim settlement offer?
  • What should my uninsured motorist coverage limits be in Illinois?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are split liability limits better than a combined single limit?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Cheaper insurance is a realistic goal

When buying insurance coverage, do not skimp on coverage in order to save money. In many cases, someone sacrificed collision coverage and discovered at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at an affordable rate.

Low-cost car insurance is definitely available from both online companies and with local Aurora insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented some good ideas how to shop for car insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

Additional detailed information can be read at the Illinois Department of Insurance website. Visitors are able to report car insurance fraud, find a variety of consumer forms, find disaster information, and view a list of available companies.