Easy Methods to Spend Less on Blue Mound Car Insurance

Beginners to shopping for insurance online will discover finding cut-rate Blue Mound car insurance quite challenging.

It's important to take a look at other company's rates periodically because rates are constantly changing. Even if you got the best price last year you will most likely find a better rate today. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Finding affordable coverage in Blue Mound is not that difficult. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Although Illinois car owners do need to know the way companies price insurance differently and apply this information to your search.

How much can you save with discounts?

Car insurance companies don't list all their discounts very clearly, so we took the time to find some of the more common as well as the least known ways to save on car insurance.

Bundle and Save - If you have multiple policies with one company you may earn at least 10% off all policies.
Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
New Car Discount - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs might need an agent's assistance.

What are the best liability limits?
Should I buy only the required Illinois minimum liability coverage?
When does my teenage driver need to be added to my policy?
Should I file a claim if it's only slightly more than my deductible?
Do I need to file an SR-22 for a DUI in Illinois?
Should I buy additional glass protection?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to make the same claim about savings after switching to their company. How does each company make the same claim?

Insurance companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured could be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A customer who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher rates which leads to business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save that much. That is how companies can truthfully claim big savings. Because of the profiling, you should get as many comparisons as possible. Because you never know which company will give you the biggest savings.

Additional Illinois consumer information

Even more information can be found at the Illinois Department of Insurance website. Consumers can view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.

Do the work, save more money

When trying to cut insurance costs, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at a price you can afford.

We just showed you many ideas to reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from the least-expected company.

The cheapest car insurance can be purchased from both online companies and also from your neighborhood Blue Mound agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.