The following suggestions may help you pay less for auto insurance:

1. Take high collision and comprehensive deductibles. Keep in mind that although this lowers the cost of physical damage insurance, you must pay more out-of-pocket when a loss occurs.
2. Drop unnecessary coverages. Re-evaluate physical damage insurance on an older, high mileage car if there is no outstanding loan. You may not need towing if you belong to an automobile club already providing this coverage.
3. Reach out to an insurance representative before buying your next vehicle. Sports cars and those with super-charged engines cost more to insure. Insurance pricing is often higher for vehicles that are easily damaged, cost more to repair, or are frequently stolen. Find out how the premium will change ahead of finalizing the purchase.
4. Handle finances responsibly. Statistics confirm those with good credit typically have fewer claims. Many insurers use credit-based insurance scores as a pricing and/or eligibility tool. Improving your credit-based insurance score may lower the cost of insurance.
5. Ask about discounts. Insurers offer a variety of discounts. Among these: good driver, mature driver, defensive driving, car pool, low annual mileage, good student, anti-theft devices, multi-car and multi-policy.
6. Maintain a good driving record. Law-abiding, defensive drivers typically pay lower rates.

Price is important, but there are other factors to consider too. Other criteria to check:

1. Policy Coverages. The least expensive policy may also give the least amount of coverage. Review coverage to confirm the policy meets your needs.
2. Insurance Company Financial Stability. A company's financial strength ensures its ability to pay future claims. Research the insurer you are considering.
3. Insurance Company Licensing Status. Insurers not licensed to operate in Illinois are not subject to this state's insurance laws. Verify the company's licensing status.
4. Insurance Company Service. Check the insurer's customer service record to see if current policyholders are satisfied with the service they are receiving.