Never Quote Aurora Car Insurance Without Knowing These Money Saving Methods

Cutting costs on Aurora car insurance can seem to be difficult for consumers new to comparison shopping online. People have so many options available that it can turn into a challenge to locate the lowest price in Aurora.

Discounts are basically free money

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Most are applied when you purchase, but a few must be asked for before you will receive the discount. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
• More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
• No Accidents – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
• Club Memberships – Affiliation with a qualifying organization could trigger savings on your policy.
• Paperless Signup – Some insurance companies give back up to $50 simply for signing digitally online.
• Resident Student – Children who live away from home and don’t have a car may be able to be covered for less.
• Safe Drivers – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will help reduce the cost of coverage.

To see a list of providers with the best car insurance discounts in Illinois, click this link.

Comprehensive Aurora Car Insurance Comparison

Cutting your Aurora car insurance rates is actually quite simple. The only thing you need to do is take the time to get quotes provided by online insurance companies. This can be accomplished in several different ways.

1. One of the best ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form saves time by eliminating separate quotes for each company you want a rate for. In just a few minutes this one form will get you rate comparisons from all major companies. It’s definitely the quickest method.
2. Another way to find lower rates is to manually visit each company website and complete a new quote form. For examples sake, we’ll pretend you want rates from GEICO, Allstate and Progressive. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in Aurora, click here.

Whichever method you choose, be sure to compare the exact same coverages for every company. If you enter different limits and deductibles on each one it will be very difficult to make an equal comparison in Aurora.

Which insurance is the “right” coverage?

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover whether you might need an agent’s assistance.

• Does my policy cover me when driving someone else’s vehicle?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does liability extend to a camper or trailer?
• Do I need PIP (personal injury protection) coverage in Illinois?
• What is the minimum liability in Illinois?
• Should I buy more coverage than the required Illinois minimum liability coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Best coverage at the best price

While you’re price shopping online, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability coverage limits and learned later that they should have had better coverage. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, delays in paying claims, lack of trust in their agent or even poor customer service. Whatever your reason, choosing a new company is less work than it seems.

In this article, we covered quite a bit of information on how to lower your car insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with some of the smallest insurance companies.