6 Tricks to Save on Car Insurance in Alexis

Are you overwhelmed by the crazy number of car insurance choices in Alexis? You have a lot of company. Consumers have so many choices that it can turn into a real challenge to find better rates.

It's important to compare prices at least once a year since rates are constantly changing. Despite the fact that you may have had the best price two years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you're about to find out one of the best ways to get good coverage at a lower rate.

How to Compare Alexis Car Insurance Costs

There are several ways to get quotes from car insurance companies in your area. One of the best ways to compare insurance prices involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for every car insurance company. Completing one form will get you rate comparisons from multiple low-cost companies. It's the fastest way to compare.
A more time consuming way to compare rate quotes requires you to visit the website for each individual company to complete their respective quote request forms. For instance, let's assume you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

To view a list of companies in Alexis, click here.

However you get your quotes, compare exactly the same coverage information on every quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to determine which rate is truly the best in Alexis. Slightly different limits can result in a big premium difference. Just keep in mind that comparing a large number of companies will increase your chances of finding the best offered rates.

Take advantage of discounts

Companies that sell car insurance don't always advertise every available discount in a way that's easy to find, so we took the time to find both the well known as well as the least known discounts you could be receiving.

Anti-theft Discount - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
Payment Method - By paying your policy upfront instead of making monthly payments you could save up to 5%.
Life Insurance Discount - Some companies give better rates if you take out a life insurance policy as well.
Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.

It's important to note that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you're out of luck.

To choose providers who offer car insurance discounts in Alexis, click here.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim that you can save after switching your coverage to them. How can each company claim to save you money?

All companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk might be between 30 and 50, has no tickets, and chooses high deductibles. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Drivers who don't qualify for the requirements will be charged a higher premium and this can result in the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much money. That's the way insurance companies can state the savings. That is why you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Additional detailed information can be found at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, discover disciplinary actions, and learn about insurance regulations.

Final considerations

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Lower-priced car insurance can be bought both online as well as from independent agents in Alexis, so compare prices from both to have the best selection. Some insurance companies don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as policy non-renewal, delays in responding to claim requests, denial of a claim or even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is easier than you think.