Easy Methods to Save Money on Biggsville Car Insurance

Shopping for the cheapest Biggsville car insurance on the internet is impossible for beginners to comparison shopping online. With so many choices of online companies, how can consumers even start to compare every one to find the lowest rates?

Be sure to get all your discounts

Companies that sell car insurance don't always publicize every discount in a way that's easy to find, so the following is a list of both the well known as well as the least known car insurance savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Senior Citizens - Mature drivers may receive reduced rates.
  • Low Mileage Discounts - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Distant Student - Children living away from home attending college and don't have a car can receive lower rates.
  • Multiple 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.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, car insurance companies aren't that generous.

To see a list of insurance companies with discount car insurance rates in Biggsville, follow this link.

compare Biggsville car insurance rates

Free Quotes for Car Insurance in Biggsville, Illinois

There are several ways to compare car insurance quotes, and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in Biggsville, or you could save time and use online quotes to get rates in a matter of minutes.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company provides a quote. This eliminates the need for quote requests to each individual car insurance company.

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

The one disadvantage to comparing rates this way is you are unable to specify which carriers to get quotes from. So if you want to choose individual companies to compare rates, we put together a list of car insurance companies in Illinois. Click here to view list.

It doesn't matter which method you choose, just make darn sure you compare exactly the same coverage limits on every quote you get. If you are comparing differing limits it's not possible to determine which rate is truly the best in Biggsville.

Why some people pay less for insurance in Biggsville

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to better car insurance rates.

Shown below are some of the items companies use to determine prices.

  • Special features that cut premiums - Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Men are more aggressive - Statistics have proven women are more cautious behind the wheel. Now that doesn't mean women are better drivers. Men and women have accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Better crash test results mean better rates - Safer cars are cheaper to insure. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
  • Mature drivers pay less - More mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Youthful drivers have a tendency to be more careless when driving and because of this, their car insurance rates are much higher.
  • Big city or small town - Residing in a small town can save you money when talking about car insurance. Less people living in that area means fewer accidents and a lower car theft rate. City drivers have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether or not you would benefit from professional advice.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • What are Illinois no-fault laws?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?

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 an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Consumers in Illinois can't get away from ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all say the same thing about savings if you change to them.

How can each company claim to save you money?

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a driver they prefer might be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. This is how companies can truthfully advertise the way they do. This emphasizes why drivers must get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest rates.

And the best car insurance company is...

Consumers leave their current company for a number of reasons such as unfair underwriting practices, denial of a claim, delays in responding to claim requests or not issuing a premium refund. Regardless of your reason, choosing a new insurance company is actually quite simple.

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Cheap car insurance is attainable both online and with local Biggsville insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

Biggsville car insurance comparison

Even more information can be read at the Illinois Department of Insurance website. Visitors are able to view a list of available companies, learn about insurance regulations, and find disaster information.