7 Tricks Guaranteed to Save Money on Car Insurance Costs in Cairo, IL
Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are lots of people in the same boat.
Because you have many online and local companies to choose from, it is very difficult to choose the lowest cost company.
It's important to take a look at other company's rates at least once a year since rates are constantly changing. If you had the best rates a couple years back you may be paying too much now. You can find a lot of misleading information regarding car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.
Quick Cairo Car Insurance Quotes
There are multiple methods to compare car insurance prices but there is one way that is less labor-intensive and much quicker. You could spend your day talking about coverages with insurance agencies in Cairo, or you could save time and use online quotes to get the quickest rates.
All the larger companies enroll in a system that enables customers to submit one quote, and each participating company can give them a price. This saves time by eliminating quote requests to each individual car insurance company.
To submit your quote information now, click here (opens in new window).
The one disadvantage to doing it this way is you are unable to specify which companies you want to price. So if you want to select specific insurance companies to compare rates, we have assembled a list of car insurance companies in Illinois. View list of Illinois insurance companies.
It's your choice how you get your quotes, but compare apples-to-apples coverages for each price quote. If you compare different limits and deductibles on each one it will be impossible to truly determine the lowest rate in Cairo. Quoting even small variations in limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes provides better odds of finding lower pricing.
Don't pay full price with these seven discounts
Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount.
- Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- Service Members Pay Less - Being on active duty in the military can result in better rates.
- Federal Government Employee - Simply working for the federal government may qualify you for a discount with certain companies.
- Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
- Life Insurance - Some companies give a break if you buy auto and life insurance together.
- Resident Student - Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
- E-sign - A handful of insurance companies may give you up to $50 just for signing your application online.
It's important to note that most discounts do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce your premiums.
For a list of providers with the best car insurance discounts in Illinois, click here to view.
More information can be read on the website for the Illinois Department of Insurance located here. Visitors are able to read consumer alerts, find disaster information, download brochures, and find out industry alerts.
Other useful links include BankRate.com's Car Insurance: When not to Skimp and this Cairo agent directory.
Final considerations
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. Too many times, an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
Lower-priced car insurance is definitely available both online and also from your neighborhood Cairo agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
