How to Get Cheap Addison Auto Insurance

Finding the best price on Addison auto insurance can be complicated if you've never compared quoting online. But relax because online price shopping is actually quite simple.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be asked for in order for you to get them.

  • Federal Employees - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Air Bag Discount - Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you could save 5% or more.
  • New Vehicle Savings - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.

Keep in mind that some credits don't apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So when it seems like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down the cost of coverage.

For a list of insurance companies with the best auto insurance discounts in Illinois, click here.

Auto Insurance Comparison Rates in Addison, IL

Most major insurance companies like Progressive, Allstate and GEICO allow you to get insurance quotes on their websites. Getting online quotes doesn't take much effort as you simply type in your personal and coverage information as detailed in the form. Once entered, their system will obtain information on your driving record and credit history and quotes a price based on these and other factors.

This makes it a lot easier to compare rates but having to visit each company's website and repetitively complete many quote forms can get tiresome after awhile. But it's very important to have as many quotes as possible in order to find better auto insurance pricing.

There is a better way!

A more efficient way to compare rates requires only one form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes price shopping online a lot less work. Immediately after submitting the form, it is rated and you are able to buy any one of the quotes that you receive.

If the quotes result in lower rates, it's easy to complete the application and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly find out what other companies charge, click here to open in new window and input your coverage information. To compare your current rates, we recommend you input the coverages as shown on your current policy. This helps ensure you will get comparison quotes based on identical coverages.

Different people need different coverages

When it comes to choosing adequate coverage for your vehicles, there isn't really a single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight whether you will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can't answer these questions, you may need to chat with a licensed agent. If you don't have a local agent, complete this form.

The best insurance company isn't always the cheapest

Drivers who switch companies do it for many reasons like extreme rates for teen drivers, poor customer service, unfair underwriting practices and delays in paying claims. Regardless of your reason for switching companies, finding the right auto insurance provider is not as hard as you think.

Throughout this article, we presented a lot of ways to get a better price on auto insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced auto insurance comes from a company that doesn't do a lot of advertising.

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. There are too many instances where someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.