8 Tips Shown to Lower Car Insurance Costs in Burr Ridge, IL

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say you're not alone. Consumers have many to buy insurance from, and even though it's nice to be able to choose, it can be more difficult to compare rates.

car insurance in Burr Ridge

Quick Burr Ridge Car Insurance Quotes

Shopping for lower car insurance rates is a ton of work if you don't understand the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in Burr Ridge, or you could use the web to achieve your goal.

Most of the larger companies belong to an insurance system that enables customers to submit one quote, and each company provides a quote for coverage. This eliminates the need for form submissions to each individual car insurance company.

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

The only drawback to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. So if you want to select specific insurance companies to request quotes from, we put together a list of companies who write car insurance in Illinois. View list of Illinois insurance companies.

Whichever way you use, compare identical coverages for every quote you compare. If you use different limits and deductibles on each one you can't possibly determine the best price in Burr Ridge.

Don't pay full price with these eight discounts

Companies don't always list all available discounts very clearly, so we break down both the well known and also the lesser-known car insurance savings. If you're not getting every credit possible, you are paying more than you should be.

  • Fewer Miles Equal More Savings - Keeping the miles down can earn lower rates on the low mileage vehicles.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • No Accidents - Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
  • No Charge for an Accident - Certain companies allow you one accident before hitting you with a surcharge so long as you haven't had any claims for a particular time prior to the accident.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for better car insurance rates.
  • More Vehicles More Savings - Having multiple cars or trucks with the same company can get a discount on all vehicles.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you won't be that lucky.

To choose insurers with the best car insurance discounts in Illinois, follow this link.

The car insurance bait and switch

Consumers in Illinois can't ignore all the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you move to their company.

How does each company claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the driver that makes them money. For example, a profitable customer might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and therefore will save when switching.

Potential customers who don't measure up to these standards must pay higher prices which usually ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much. That's the way companies can truthfully state the savings. This illustrates why you need to compare many company's rates. It's just too difficult to predict which car insurance company will give you the biggest savings.

Even more information can be found at the Illinois Department of Insurance website. Visitors are able to find disaster information, read industry bulletins, view agent and company licensing information, and learn about insurance regulations.

car insurance in Burr Ridge

A tidy conclusion

Cheaper car insurance is definitely available both online and also from your neighborhood Burr Ridge agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.