Buy the Cheapest Cahokia Auto Insurance

Scraping up a payment for overpriced auto insurance can drain your personal savings and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to tighten up your finances. Companies like GEICO and Progressive promote their brand names with TV and radio ads and consumers find it hard to sift through the bull and find the best price available.

It's important to compare prices yearly because insurance rates are constantly changing. Even if you got the lowest rates two years ago you can probably find a lower rate today. So ignore everything you know about auto insurance because you're about to learn the tricks you need to know to find lower rates on auto insurance.

If you have insurance now or need a new policy, you can follow these tips to find better prices and possibly find even better coverage. Finding affordable coverage in Cahokia is easy if you know what you're doing. Illinois vehicle owners just need to know the best way to compare rates online.

Illinois auto insurance

How to Get Cheap Auto Insurance in Cahokia, IL

Cutting your auto insurance rates doesn't have to be difficult. Consumers just need to spend a few minutes on the computer to get quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form eliminates the need for multiple quote forms for each company. A single, simple form compares rates from multiple low-cost companies.
  • A less efficient way to shop for auto insurance online is going to each company website and fill out their own quote form. For example, we'll assume you want comparison quotes from , and . You would have to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in Cahokia, click here.
  • The hardest way to compare rates is to spend your day driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the personal advice of a licensed agent. Drivers can get the lowest quotes online but buy from a local insurance agent.

It's up to you how you get prices quotes, just make sure you use exactly the same coverage limits and deductibles for every quote you compare. If you have different liability limits it's impossible to determine the best price in Cahokia.

Policy discounts you shouldn't miss

Companies do not list every available discount in a way that's easy to find, so we break down both well-publicized as well as the least known ways to save on auto insurance. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Good Student Discount - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • No Accidents - Drivers who don't have accidents can save substantially compared to bad drivers.
  • Accident Waiver - A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Discount for New Cars - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Defensive Driver - Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Memberships - Participating in a civic or occupational organization could trigger savings on your policy.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, companies wouldn't make money that way.

To see a list of providers offering auto insurance discounts in Cahokia, click this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone's situation is a little different so this has to be addressed. For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Should I buy only the required Illinois minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my vehicle covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my vehicle is worth?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

More detailed Illinois auto insurance information can be found at the Illinois Department of Insurance website. Illinois consumers can file complaints about a company, view agent and company licensing information, read consumer alerts, and read industry bulletins.