6 Discounts Catlin Shoppers Forget when Comparing Car Insurance
Cutting costs on Catlin car insurance is a challenge for consumers new to buying insurance online. You have so many options that it can be a challenge to find the best price in Catlin.
How much can you save with these six discounts?
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but some must be manually applied before they will apply. If they aren't giving you every credit available, you are throwing money away.
- Claim Free - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
- Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
- Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
- More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
- Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.
Save 15 percent in 15 minutes? Is it for real?
Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all have a common claim about savings if you move your coverage to them.
How do they all make the same claim? This is how they do it.
All companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to cut their rates substantially.
Consumers who don't meet the "perfect" profile will be quoted higher rates and this can result in business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully advertise the way they do.
This emphasizes why drivers should get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.
Additional information is available on the Illinois Department of Insurance website. Click here for link. Consumers can read industry bulletins, download brochures, and view a list of available companies.
Best coverage at the best price
Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, lack of trust in their agent and even policy cancellation. It doesn't matter what your reason, switching car insurance companies is less work than it seems.
Cheap car insurance is possible from both online companies as well as from independent agents in Catlin, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.
When shopping online for car insurance, never skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.
