Comparing Cheap Bridgeport Car Insurance

Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than the majority of other car owners in Illinois.

There is such a variety of to buy insurance from, and although it's a good thing to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes once or twice a year due to the fact that insurance rates are constantly changing. Just because you found the best deal last year you will most likely find a better rate today. So forget all the misinformation about car insurance because I'm going to teach you the proper way to save on car insurance.

Are you getting all your discounts?

Companies don't always advertise every available discount very clearly, so here is a list both the well known and the more hidden savings tricks you should be using.

  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • E-sign - A few companies may give you up to $50 for buying your policy over the internet.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Low Mileage - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Clubs and Organizations - Being a member of a qualifying organization is a good way to get lower rates on your policy.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

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How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive continually stream ads on television and other media. All the ads make an identical promise about savings after switching your policy. How does each company claim to save you money?

Insurance companies can use profiling for the right customer that earns them a profit. An example of a preferred risk might be between 25 and 40, has no tickets, and has great credit. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate and ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully advertise the savings. That is why you should compare many company's rates. You cannot predict the company that will give you the biggest savings.

More Illinois car insurance information

Even more information is available at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, view a list of available companies, get help finding coverage, and learn about insurance regulations.

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Do the work, save more money

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Cheap car insurance can be sourced both online in addition to many Bridgeport insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.