How to Know You're Paying Too Much for Auto Insurance in Bourbonnais

No one looks forward to paying for auto insurance, in particular when their premiums are too high. Insurance companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Take advantage of discounts

Companies that sell car insurance do not advertise every discount in a way that's easy to find, so we researched both well-publicized and the more hidden auto insurance savings. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Federal Employees - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Good Student - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Discount for New Cars - Insuring a new car can save up to 30% since new cars are generally safer.
  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if it's offered in school.
  • Low Mileage Discounts - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

It's important to note that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates it's possible to get free car insurance, you're out of luck.

For a list of insurance companies who offer auto insurance discounts in Bourbonnais, follow this link.

Auto Insurance Comparison Rates in Bourbonnais, IL

Finding a better price on auto insurance can be surprisingly simple. Just spend a few minutes on the computer getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This method eliminates the need for multiple quote forms for every auto insurance company. Just one form gets rate comparisons from multiple low-cost companies.

A less efficient way to compare rate quotes is spending the time to visit the website of each company and request a quote. For examples sake, let's assume you want to compare , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Bourbonnais, click here.

Which method you use is up to you, but be sure to compare exactly the same information with every price quote. If the quotes have higher or lower deductibles it will be impossible to find the best deal in Bourbonnais.

How to know if you need help

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone's needs are different and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Should I buy only the required Illinois minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

In the end, you save

In this article, we presented a lot of information how to get a better price on auto insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from an unexpected company. These companies often have lower prices on specific markets than their larger competitors like .

When buying insurance coverage, it's not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.