Top Ways to Save on Carrollton Car Insurance

No one in their right mind likes having to buy car insurance, especially when they are paying too much. Since consumers have many car insurance companies to choose from, it can be diffult for consumers to pick the lowest cost insurance company.

It's important to shop coverage around occasionally because rates are constantly changing. If you had the best deal last year you can probably find a lower rate today. So just forget anything you know (or think you know) about car insurance because you're going to learn the only way to find better rates and still maintain coverage.

Finding affordable coverage in Carrollton is easy if you know what you're doing. If you have car insurance now, you will be able to save some money using this information. Illinois vehicle owners just need to know how to compare company rates online.

Illinois car insurance quotes

Finding Car Insurance in Carrollton, IL

There are several ways to shop for car insurance, and some are less time-consuming than others. You can spend countless hours driving to agents in Carrollton, or you could use the web to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and every company then returns a price quote for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

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

The only drawback to using this type of form is that you can't choose the providers you want to price. If you would rather choose specific providers for rate comparison, we have a page of companies who write car insurance in Illinois. View list of Illinois insurance companies.

However you get your quotes, make absolute certain that you use apples-to-apples coverages for every company. If you use different limits and deductibles on each one you can't possibly decipher which rate is best in Carrollton.

Be sure to get all your discounts

Auto insurance companies don't list all their discounts very well, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you don't get every credit you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Passive Restraints - Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Defensive Driving Course - Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Lower Rates for Military - Being deployed with a military unit can result in better rates.
  • Homeowners Savings - Owning a house in Carrollton can save you money because of the fact that having a home requires personal responsibility.
  • Drive Less and Save - Keeping the miles down can qualify you for a substantially lower rate.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears it's possible to get free car insurance, companies don't profit that way.

To see a list of companies with the best car insurance discounts in Illinois, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions might point out whether or not you could use an agent's help.

  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?

If you can't answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

More detailed Illinois car insurance information is available at the Illinois Department of Insurance website. Consumers can view agent and company licensing information, read consumer alerts, download brochures, and find out industry alerts.

Additional helpful sites include Wikipedia and this Carrollton agent directory.