Getting the Cheapest Belvidere Auto Insurance
Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, you're not the only one.
Online insurance companies like GEICO and Progressive all claim big savings with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.
How much can you save with discounts?
Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be inquired about before they will apply.
- Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if it's offered in school.
- Driver Safety - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
- New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
- Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
- Military Rewards - Having a family member in the military may qualify for rate reductions.
- Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.
For a list of insurance companies who offer auto insurance discounts in Belvidere, click this link.
Quick Belvidere Auto Insurance Quotes
Effectively comparing auto insurance prices can be challenging if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Belvidere, or you could use online quoting to get rate comparisons in just a few minutes.
Most car insurance companies take part in a program that allows shoppers to submit one quote, and at least one company provides a quote. This system prevents you from having to do repetitive form submissions for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
The only drawback to using this type of system is you are unable to specify the companies to get quotes from. So if you want to select specific insurance companies to compare, we put together a list of companies who write auto insurance in Illinois. Click to view list.
It doesn't matter which method you choose, just compare exactly the same information on every quote. If you compare higher or lower deductibles then you won't be able to make a fair comparison in Belvidere. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that more quotes will improve the odds of getting the best price.
The best insurance company isn't always the cheapest
Cheap auto insurance can be purchased on the web and with local Belvidere insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and these smaller companies work with independent agents.
When you buy insurance online, it's a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.
