6 Top Tricks to Reduce Car Insurance Costs in Carol Stream, IL
Price shopping your Carol Stream car insurance is a challenge for people who are new to comparison shopping online. People have so many choices that it can easily become a ton of work to find the best price in Carol Stream.
Comparison of Car Insurance in Carol Stream
Most major insurance companies provide price estimates on the web. Getting quotes is quite simple as you just enter as detailed in the form. Behind the scenes, their rating system will obtain credit information and your driving record and returns a price based on many factors.
Online quotes streamlines rate comparisons, but having to visit many different websites and fill out multiple forms can get tiresome after awhile. But it's very important to get many rate quotes if you want to find better car insurance pricing.
Quote rates the easy way
A less time-consuming method to lower your car insurance bill is to use a quote form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes price shopping online a little more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick your choice of the returned quotes.
If a lower price is quoted, it's easy to complete the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.
To find out what other companies charge, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you complete the form with your coverages identical to your current policy. This way, you will get a fair comparison based on similar coverages.
These six discounts can lower your rates
Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be specifically requested prior to getting the savings. If you aren't receiving every discount available, you're just leaving money on the table.
- Lower Rates for Military - Being deployed with a military unit could be rewarded with lower premiums.
- Claim Free - Claim-free drivers pay less when compared with frequent claim filers.
- Club Memberships - Belonging to a civic or occupational organization may earn a discount when buying car insurance.
- Theft Prevention System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
- Life Insurance Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
- Auto/Home Discount - When you have multiple policies with one insurance company you will save approximately 10% to 15%.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will reduce the cost of coverage.
For a list of insurers with discount car insurance rates in Carol Stream, click here.
Additional information can be read on the Illinois Department of Insurance website located here. Consumers can find disaster information, read industry bulletins, and find out which companies have the most complaints.
And the best car insurance company is...
Cheap car insurance can be sourced from both online companies as well as from independent agents in Carol Stream, so you should be comparing quotes from both to have the best rate selection. Some companies don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
Drivers leave their current company for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, questionable increases in premium and unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.
While you're price shopping online, it's not a good idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
