Find Low-Cost Cerro Gordo Car Insurance

People who are new to shopping for insurance online could find buying the lowest-priced Cerro Gordo car insurance very challenging.

These discounts can lower your rates

Auto insurance companies don't always advertise all available discounts very well, so the following is a list of some of the more common and the more hidden discounts you could be receiving. If you don't get every credit you qualify for, you're paying more than you need to.

Defensive Driver - Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Air Bag Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
Auto/Home Discount - When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Keep in mind that some credits don't apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn't work that way.

To see a list of insurers offering car insurance discounts in Illinois, click here.

Cerro Gordo Car Insurance Quote Comparison

Most companies allow you to get insurance quotes online. The process doesn't take much effort as you just enter your coverage preferences as detailed in the form. Once you submit the form, their rating system will obtain your credit score and driving record and returns a price quote based on many factors.

This makes it a lot easier to compare rates but the time required to go to each company's website and repetitively fill out multiple forms can get tiresome after awhile. But it's very important to get many rate quotes in order to find better car insurance pricing.

There is a better way!

The preferred way to get multiple rate quotes utilizes a single form that gets prices from multiple companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable. After your information is entered, it is rated and you can choose any or none of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate the coverages as shown on your current policy. This makes sure you will get comparison quotes based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the factors that go into determining your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower car insurance prices.

Extra coverages can waste money - There are many additional coverages that you can get tricked into buying on your policy. Things like rental car reimbursement, accidental death and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so remove them from your policy.
Clean credit earns discounts - A driver's credit score is a large factor in determining your rates. If your credit rating is lower than you'd like, you could pay less to insure your by improving your rating. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.
Too many car insurance claims drive up costs - If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies in Illinois generally give discounts to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of larger claims.
How many coverages with the same company - Most insurance companies will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to confirm you are receiving the best rates possible.

Different people need different coverages

When choosing coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions might point out whether you will benefit from professional help.

Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my insurance cover a custom paint job?
Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Does my personal policy cover me when driving my company car?

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Are you falling for claims of savings?

Consumers can't get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you switch your policy.

But how can every company make the same claim?

All companies have a certain "appetite" for the right customer that is profitable for them. A good example of a profitable customer could be between the ages of 40 and 55, owns a home, and has excellent credit. A customer that hits that "sweet spot" is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile must pay higher prices and this can result in business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save that kind of money. That is how insurance companies can make those claims. This illustrates why drivers must quote coverage with many companies. Because you never know which company will have the lowest rates.

And the best car insurance company is...

Affordable car insurance can be found from both online companies in addition to many Cerro Gordo insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, do not reduce coverage to reduce premium. There are a lot of situations where an insured cut collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

We just showed you a lot of ways to compare car insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from a company that doesn't do a lot of advertising.

Additional detailed information can be read at the Illinois Department of Insurance website. Consumers can discover disciplinary actions, find out industry alerts, and download brochures.

Additional helpful sites include this resource for Illinois car insurance prices and this link which helps you find a Cerro Gordo agent.