7 Simple Tricks to Cut Car Insurance Costs in Alsip, IL
Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you're not the only one.
Companies like State Farm, Allstate, GEICO and Progressive continually hit you with ads and it is difficult to sift through the bull and do the work needed to find the best deal.
It's important to do rate comparisons at least once a year since rates are constantly changing. Just because you found the lowest price last year you may be paying too much now. Ignore everything you know about car insurance because you're about to find out the quickest way to eliminate unnecessary coverages and save money.
If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Finding affordable coverage in Alsip is easy if you know what you're doing. But Illinois consumers do need to know how the larger insurance companies sell online because it can help you find the best coverage.
Comprehensive Alsip Car Insurance Comparison Quotes
The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to compare insurance prices is simply to get online rate quotes. This can be accomplished in a couple of different ways.
The first (and easiest) way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form eliminates the need for separate quotation requests for each company you want a rate for. Completing one form gets you price quotes from car insurance companies with the best prices.
A more time consuming way to shop for car insurance online requires a trip to the website for each individual company and fill out their own quote form. For instance, let's assume you want to compare rates from , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in Alsip, click here.
It's up to you how you get prices quotes, just compare exactly the same quote information for every quote you compare. If your comparisons have mixed coverages then you won't be able to determine the best price in Alsip. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Just keep in mind that more quotes will increase your chances of finding a better price.
Policy discounts you shouldn't miss
Companies that sell car insurance do not list every available discount in a way that's easy to find, so we researched both the well known and also the lesser-known ways to save on car insurance.
- Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
- Low Mileage - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
- Club Memberships - Being a member of a civic or occupational organization could trigger savings on your policy.
- Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Multi-policy Discount - When you have multiple policies with one company you may save at least 10% off all policies.
- Homeowners Discount - Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
- Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
Drivers should understand that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, companies wouldn't make money that way.
For a list of providers with discount car insurance rates in Alsip, click this link.
More detailed Illinois car insurance information is located at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, find disaster information, find out which companies have the most complaints, and view a list of available companies.
The best insurance company isn't always the cheapest
When trying to cut insurance costs, it's not a good idea to reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits only to discover later that it was a big mistake. The aim is to buy enough coverage at the best price, not the least amount of coverage.
Budget-conscious car insurance can be sourced both online and with local Alsip insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.
