Nobody looks forward to buying auto insurance, especially knowing the cost is too high. Drivers have multiple car insurance companies to insure vehicles with, and even though it’s nice to have a choice, it makes it harder to get the best deal.
You should make it a habit to do rate comparisons before your policy renews due to the fact that insurance rates change quite often. Even if you think you had the lowest rates a few years ago a different company probably has better rates today. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use online quotes to buy cheaper auto insurance.
How to Buy Peoria Auto Insurance Online
Lowering your auto insurance rates is not a difficult process. You just need to take time to compare quotes provided by online insurance companies. This can be accomplished using a couple different methods.
Probably the best way to get quotes is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing separate quotation requests for every auto insurance company. A single form compares rates from many national carriers.
A slightly less efficient method to shop for auto insurance online requires you to visit the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want to compare Progressive, Esurance and American Family. To find out each rate you need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.
To view a list of companies in Peoria, click here.
It’s up to you which method you use, but ensure you’re using exactly the same coverage information on every quote you get. If you use mixed coverages it’s impossible to determine which rate is truly the best in Peoria.
Pay less by taking advantage of discounts
Car insurance companies don’t list every available discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit possible, you’re paying more than you need to.
- Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
- Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10%.
- Good Student – This discount can save 20 to 25%. The good student discount can last until age 25.
- Fewer Miles Equal More Savings – Fewer annual miles could be rewarded with a substantially lower rate.
- Employee of Federal Government – Simply working for the federal government can save as much as 8% depending on your company.
- Life Insurance Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
Consumers should know that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, auto insurance companies aren’t that generous.
To choose insurance companies with the best auto insurance discounts in Peoria, click this link.
More tips and info about auto insurance is available at the Illinois Department of Insurance website. Consumers can report car insurance fraud, learn about insurance regulations, and discover disciplinary actions.
The articles below may also help you learn more about auto insurance in Peoria