Top 5 Ways to Save Money on Car Insurance in Apple River

Shopping for the lowest cost Apple River car insurance on the internet may be somewhat difficult for beginners to price shopping online. With so many choices of online companies, how can consumers possibly compare every one to find the lowest price available?

It's important to compare prices on a regular basis since rates are constantly changing. Even if you think you had the best deal last year there is a good chance you can find better rates now. So just ignore everything you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

Buying car insurance in Apple River is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to save some money using these methods. Illinois vehicle owners just need to know the most efficient way to get comparison quotes on the web.

Apple River Car Insurance Prices Online

Reducing your insurance rates isn't really that difficult. Just spend a few minutes comparing rates provided by online insurance companies. This can be done in several different ways.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate forms for every car insurance company. One form submission will get you price quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to compare rate quotes requires a visit to each individual company website to request a price quote. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in Apple River, click here.
  3. The least efficient way of getting rate comparisons is to waste gas driving to insurance agents' offices. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the personal advice of a local Apple River agent. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just ensure you are comparing identical coverage limits for each price quote. If you compare differing limits it will be impossible to truly determine the lowest rate in Apple River.

Take advantage of discounts

Auto insurance companies don't always list all their discounts very clearly, so here is a list both the well known and the more hidden car insurance savings. If you're not getting every credit you deserve, you are paying more than you should be.

  • Sign Online - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Multiple Cars - Insuring all your vehicles with the same company could earn a price break for each car.
  • Bundle and Save - If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.

Drivers should understand that most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, companies wouldn't make money that way.

To choose companies with discount car insurance rates in Illinois, follow this link.

Are car insurance companies telling the truth?

Consumers in Illinois can't ignore all the ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing that you'll save big if you change your coverage to them.

How does each company claim to save you money?

All companies have a preferred profile for the type of customer that makes them money. An example of a desirable insured might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will have to pay higher premiums which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save that much money. This is how companies can advertise the savings. Because of the profiling, you need to quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

More detailed Illinois car insurance information is available at the Illinois Department of Insurance website. Visitors are able to get help finding coverage, discover disciplinary actions, and file complaints about an insurance agent or broker.

And the best car insurance company is...

Budget-conscious car insurance is attainable both online as well as from independent agents in Apple River, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at an affordable rate.

We just covered a lot of tips how to compare car insurance prices online. It's most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest rates come from an unexpected company.