Top Ways to Save on Beach Park Car Insurance

No one in their right mind looks forward to paying for car insurance, particularly when the price is too high. Big companies like State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to compare prices occasionally due to the fact that insurance rates are constantly changing. Just because you found the best deal two years ago the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about car insurance because I'm going to teach you the proper way to find lower rates on car insurance.

If you have a current car insurance policy or need new coverage, you can follow these tips to find better prices while maintaining coverages. Buying car insurance in Beach Park is quite easy. Illinois drivers only need an understanding of the most efficient way to get comparison rates over the internet.

Save big with these discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so here is a list both the well known as well as the least known car insurance savings. If you aren't receiving every discount you qualify for, you're paying more than you need to.

Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Homeowners Savings - Owning a house in Beach Park may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
Payment Method - If you pay your bill all at once instead of paying each month you may reduce your total bill.
College Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
Sign Online - A handful of insurance companies may give you up to $50 simply for signing digitally online.
Discount for Life Insurance - Larger companies have better rates if you take out auto and life insurance together.

It's important to understand that most credits do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way.

To see a list of companies who offer car insurance discounts in Beach Park, follow this link.

Automobile Insurance Quotes in Beach Park, IL

Finding cheaper car insurance prices doesn't have to be difficult. You just have to take a couple of minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method eliminates the need for multiple quote forms to each individual car insurance company. A single form gets you price quotes from multiple low-cost companies.
A slightly less efficient method to get quotes online requires visiting each individual company website to complete their respective quote request forms. For example, let's assume you want to compare , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Beach Park, click here.
The least efficient method to get comparison rates is to waste gas driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed Beach Park agents. You can, however, obtain prices from the web and still use a local agent and you'll learn how to do that later.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same quote information on every quote you get. If you compare mixed coverages it's impossible to determine which rate is truly the best in Beach Park.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that may reward you with big savings.

The following are some of the factors car insurance companies consider when setting rates.

Women pay lower rates - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both tend to get into accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive car insurance rates.
Multi-policy discounts can save money - Many companies will give a discount to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, you still need to compare rates to ensure the best deal.
Your spouse saves you money - Being married can get you a discount when buying car insurance. It means you're more mature and responsible and it's proven that married couples file fewer claims.
Special features that cut premiums - Owning a car with an alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different and a cookie cutter policy won't apply. These are some specific questions might point out if your situation might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Does my policy cover my teen driver if they drive my company car?
What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in Beach Park?
Does my liability insurance cover pulling a trailer or camper?
What happens if I owe more than my vehicle is worth?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance ads bend the truth

Consumers in Illinois can't get away from ads for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to say the same thing of big savings after switching to their company.

How can each company claim to save you money?

All the different companies have a certain "appetite" for the driver that is profitable for them. An example of a desirable insured might be between the ages of 30 and 50, owns a home, and chooses high deductibles. Any driver who fits that profile gets the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay a higher premium which usually ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that much. That is how insurance companies can confidently state the savings. Because of the profiling, drivers must get quotes from several different companies. You cannot predict which company will give you the biggest savings.

Best coverage at the best price

Low-cost car insurance can be sourced both online and also from your neighborhood Beach Park agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. In many cases, an insured cut liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at a price you can afford.

For more Illinois car insurance information

More tips and info about car insurance is available at the Illinois Department of Insurance website. Visitors are able to learn about insurance regulations, read consumer alerts, get help finding coverage, and view a list of available companies.