Tightwads Guide to Saving on Bellwood Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your personal savings and force you to make sacrifices. Doing a price comparison is a great way to help make ends meet.

With consumers having so many online and local companies to choose from, it can be hard to pick the lowest price company.

It's important to do rate comparisons yearly because prices are constantly changing. If you had the lowest price a few years ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance online but we're going to give you some great ways to find affordable auto insurance.

Choosing the best insurance company for you in Bellwood is easy if you know what you're doing. Essentially anyone who is required by state law to have auto insurance will be able to cut their insurance bill. But Illinois consumers do need to know how the larger insurance companies determine prices because it can help you find the best coverage.

Illinois auto insurance

How to Get Cheap Auto Insurance in Bellwood, IL

Shopping for lower auto insurance rates can be a lot of work if you aren't aware of the easiest way. You can spend countless hours discussing policy coverages with insurance agencies in Bellwood, or you could save time and use online quotes to get the quickest rates.

The majority of car insurance companies take part in a program that enables customers to enter their policy data once, and at least one company can provide price quotes based on that data. This prevents consumers from doing quotation requests to each individual auto insurance company.

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

The single downside to using this type of system is buyers cannot specifically choose the providers you will receive quotes from. If you wish to select individual companies to request quotes from, we have a page of auto insurance companies in Illinois. View list of Illinois insurance companies.

Whichever method you choose, make sure you use apples-to-apples deductibles and coverage limits on every quote. If you have different values for each quote it will be impossible to make a fair comparison in Bellwood. Slightly different insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that more quotes provides better odds of finding better pricing.

Don't pay full price with these discounts

Companies don't necessarily list every available discount very well, so we researched both the well known as well as the least known discounts you could be receiving.

  • Good Student Discount - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Accident Waiver - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Accident Free - Drivers who don't have accidents pay much less compared to bad drivers.
  • Defensive Driving Course - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy life insurance from them.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home shows financial diligence.

Drivers should understand that some credits don't apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn't make money that way.

To see a list of providers with the best auto insurance discounts in Illinois, click here.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's needs are different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Should I buy only the required Illinois minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don't have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

More detailed Illinois auto insurance information is located at the Illinois Department of Insurance website. Visitors are able to file complaints about a company, file complaints about an insurance agent or broker, view a list of available companies, and read consumer alerts.

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