Car Insurance in Arthur, IL - 5 Discounts You Might be Losing Out On

If you are a novice to online car insurance shopping, you may be overwhelmed by the vast number of car insurance companies all offering big savings in Arthur.

If you have insurance now or need a new policy, you can learn to find better prices while maintaining coverages. Pricing the cheapest coverage in Arthur is quite easy. Illinois vehicle owners just need to know the proper methods to shop their coverage around online.

More discounts equal less premium

Companies don't always list every discount in a way that's easy to find, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Service Members Pay Less - Being on active duty in the military could mean lower rates.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Anti-theft System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, companies wouldn't make money that way.

compare Arthur car insurance rates

It's not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's.

Here are some questions about coverages that might point out if you might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Switch companies and save? Really?

Consumers in Illinois get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. They all make an identical promise that you'll save big if you switch to their company.

How can each company claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a driver they prefer might be between 30 and 50, owns a home, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get the preferred rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be quoted higher rates and ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much. That is how companies can advertise the way they do. This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

More detailed Illinois car insurance information can be found at the Illinois Department of Insurance website. Visitors are able to view a list of available companies, find out industry alerts, and read consumer alerts.

Arthur car insurance quote

And the best car insurance company is...

People switch companies for a variety of reasons including unfair underwriting practices, policy cancellation, policy non-renewal and even delays in paying claims. It doesn't matter why you want to switch finding a new car insurance company is less work than it seems.

As you go through the steps to switch your coverage, it's not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

We just covered many tips how you can reduce car insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best prices are with a small mutual company.