5 Ways You Can Buy Car Insurance for Less in Bartlett

Purchasing the most affordable Bartlett car insurance online can be rather challenging for beginners to buying insurance online. When there are so many online companies available, how can consumers have a chance to compare every one to find the best available price?

These 5 discounts can lower your rates

Car insurance companies don't list all available discounts in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.

  • Multiple Vehicles - Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
  • Student in College - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Own a Home - Owning a home in Bartlett can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.

Keep in mind that some credits don't apply to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn't work that way.

To choose insurers who offer car insurance discounts in Bartlett, click here.

Are you falling for claims of savings?

Allstate, GEICO and Progressive continually stream ads on television and other media. All the companies have a common claim that you can save after switching to them. How can each company make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements must pay a more expensive rate and this can result in business going elsewhere. The ad wording is "customers who switch" not "everybody who quotes" save money. This is how insurance companies can make the claims of big savings. This illustrates why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's.

For instance, these questions may help you determine whether you might need an agent's assistance.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Bartlett?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

More sites with car insurance information

Additional detailed information can be found at the Illinois Department of Insurance website. Consumers can report car insurance fraud, read enforcement actions against agents and companies, and get help finding coverage.

Bartlett car insurance comparison

Final considerations

Affordable car insurance can be sourced from both online companies and with local Bartlett insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, it's not a good idea to buy poor coverage just to save money. In too many instances, drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.