5 Top Tricks to Cut Car Insurance Costs in Albany

Shopping for the lowest cost Albany car insurance online is problematic for consumers new to comparison shopping online. With a ridiculous number of online companies available, how can consumers effectively compare the different rates to find the lowest price?

It's important to price shop coverage yearly since rates are constantly changing. Just because you found the best price a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to find out the quickest way to lower your rates without sacrificing coverage.

Albany car insurance quote

How to Get Cheap Car Insurance in Albany, IL

There are multiple methods to compare car insurance quotes, but there is one way that is easier and takes less work. You can spend countless hours talking to insurance companies in Albany, or you could save time and use the internet to get rates in a matter of minutes.

The majority of car insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and each company can give them a price. This prevents consumers from doing quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is you cannot specify the providers you want to price. If you wish to select individual companies to compare rates, we put together a list of car insurance companies in Illinois. Click here to view list.

Whichever method you choose, make sure you use exactly the same quote information with every price quote. If you are comparing mixed coverages it's not possible to find the best deal in Albany. Slightly different coverages may result in large price differences. And when comparing car insurance rates, know that comparing more company's prices will increase your chances of finding a better price.

Don't pay full price with these 5 discounts

Companies do not list every available discount in a way that's easy to find, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance from them.
  • Memberships - Belonging to a civic or occupational organization may earn a discount on your policy.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-theft System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren't that generous.

To see a list of providers with discount car insurance rates in Albany, click here.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Even more information can be found at the Illinois Department of Insurance website. Consumers can find out industry alerts, file complaints about an insurance agent or broker, and find out which companies have the most complaints.