7 Discounts Bluffs Drivers Forget when Buying Car Insurance

Nobody I know looks forward to buying car insurance, especially when the cost is way too high. There are many to buy insurance from, and even though it's nice to have a choice, it makes it harder to compare rates.

It's important to check car insurance prices occasionally since rates are constantly changing. If you had the best price a few years ago you may be paying too much now. Ignore everything you know about car insurance because we're going to demonstrate one of the easiest ways to lower your rates without sacrificing coverage.

Choosing the best insurance company for you in Bluffs is easy if you know what you're doing. If you are insured now or are looking for a new policy, you can use these techniques to get lower rates and still get good coverage. Illinois vehicle owners just need to know the proper methods to shop their coverage around online.

Finding Car Insurance in Bluffs, IL

Most major insurance companies like Progressive, GEICO, Allstate and State Farm give prices for coverage directly from their websites. Getting quotes is fairly straightforward as you just type in your coverage preferences into the quote form. Behind the scenes, their rating system will obtain your credit score and driving record and gives you a price quote based on many factors. Being able to quote online makes comparing rates easy, but the process of having to visit a lot of sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to get a lower rate.

The easy way to compare rates

A less time-consuming method to get multiple rate quotes is to use a quote form that gets price quotes from more than one company. It's a real time-saver, reduces the work, and makes online price comparison much easier to do. After sending the form, your coverage is rated and you are able to buy any one of the returned quotes. If a lower price is quoted, you can click and sign and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate your coverages identical to your current policy. This way, you're receiving a fair comparison based on similar coverages.

More discounts equal less premium

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 discounts you could be receiving. If you're not getting every credit you qualify for, you're just leaving money on the table.

College Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Pay Upfront and Save - By paying your policy upfront rather than paying monthly you can actually save on your bill.
Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
Good Student - Getting good grades can save 20 to 25%. This discount can apply up to age 25.
Homeowners Savings - Owning a house in Bluffs can save you money because of the fact that having a home is proof that your finances are in order.
55 and Retired - Older drivers can possibly qualify for reduced rates.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way.

For a list of companies with the best car insurance discounts in Illinois, click here.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out if you might need professional guidance.

What are Illinois no-fault laws?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Does my insurance cover a custom paint job?
Why am I required to buy high-risk coverage?
When do I need to add a new car to my policy?
Do I need to file an SR-22 for a DUI in Illinois?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

More detailed Illinois car insurance information can be found at the Illinois Department of Insurance website. Consumers can read enforcement actions against agents and companies, read consumer alerts, view a list of available companies, and find out industry alerts.

In the end, you save

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. There are many occasions where an insured cut physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.

You just learned a lot of techniques to lower your car insurance rates. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the best prices are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as .