Buy the Cheapest Arenzville Car Insurance

Overpriced car insurance can drain your personal savings, especially in this economy. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. Companies like GEICO and Progressive constantly bombard you with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices yearly because rates are constantly changing. Just because you had the lowest price on your last policy you will most likely find a better rate today. Block out anything you think you know about car insurance because you're about to find out the proper way to find great coverage at a great price.

How much can you save with discounts?

Companies don't necessarily list all their discounts in a way that's easy to find, so we researched some of the more common and the more hidden car insurance savings. If you aren't receiving every discount you deserve, you are throwing money away.

  • Discount for Life Insurance - Some companies give better rates if you take out auto and life insurance together.
  • Bundle and Save - If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Air Bag Discount - Factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Government Employees - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it just doesn't work that way.

Illinois car insurance quotes

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions can help discover if your insurance needs would benefit from an agent's advice.

  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you switch your coverage to them.

How can each company make the same claim?

All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a desirable insured could be between 25 and 40, has no prior claims, and has great credit. A customer who fits that profile will get very good rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will have to pay higher prices which usually ends up with business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can advertise the savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

Learn more about car insurance in Illinois

Additional detailed information is located at the Illinois Department of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, file complaints about a company, and report car insurance fraud.

Illinois car insurance quotes

Best coverage at the best price

When you buy insurance online, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at an affordable rate.

We just showed you many ways to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a company that doesn't do a lot of advertising. Regional companies can often insure niche markets at a lower cost compared to the large companies like .

Affordable car insurance is available from both online companies as well as from independent agents in Arenzville, so you should compare both so you have a total pricing picture. There are still a few companies who don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.