Car Insurance in Barry - 5 Ways to Save Money

Finding the cheapest Barry car insurance online can be problematic for beginners to shopping for insurance online. With a ridiculous number of online companies available, how can consumers even start to compare every one to find the best price?

It's important to compare prices yearly since rates are constantly changing. Even if you got the best deal a few years ago you can probably find a lower rate today. So ignore everything you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

Illinois car insurance

How to Get Cheap Car Insurance in Barry, IL

Effectively comparing car insurance prices can be a lot of work if you aren't aware of the most efficient way to do it. You can spend countless hours driving to local insurance agents in Barry, or you could use online quotes to get prices fast.

The majority of car insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and each company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you don't know exactly the providers you will receive quotes from. If you wish to select individual companies to receive pricing from, we have assembled a list of companies who write car insurance in Illinois. Click to view list.

Whichever method you choose, make sure you use identical information for every quote you compare. If each company quotes higher or lower deductibles then you won't be able to determine the best price in Barry.

Be sure to get all your discounts

Companies offering auto insurance do not list every available discount very clearly, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you're paying more than you need to.

  • Good Student Discount - A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Early Switch Discount - Some companies give discounts for switching to them before your current expiration date. It's a savings of about 10%.

It's important to note that some credits don't apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, you're out of luck.

To see a list of providers who offer car insurance discounts in Illinois, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every situation is different.

For example, these questions can help discover whether or not you may require specific advice.

  • Should I buy only the required Illinois minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Additional detailed information is available at the Illinois Department of Insurance website. Consumers can file complaints about a company, view agent and company licensing information, and read consumer alerts.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Barry Illinois.