How to Know You're Paying Too Much for Auto Insurance in Chenoa

Nobody I know looks forward to paying for auto insurance, in particular when they are paying too much.

Companies like GEICO and Progressive increase brand awareness with fancy advertisements and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices periodically because prices are constantly changing. Even if you got the best deal a couple years back there may be better deals available now. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be asked about in order for you to get them.

Accident Forgiveness - A handful of insurance companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
Good Student - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
Discount for New Cars - Insuring a new car can save up to 30% since new cars are generally safer.
No Accidents - Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, it just doesn't work that way. But any discount will reduce the amount you have to pay.

For a list of companies who offer auto insurance discounts in Chenoa, follow this link.

Chenoa Auto Insurance Comparisons

There are several ways to shop for auto insurance, but there is one way that is less time-consuming than others. You can waste hours driving to insurance agencies in Chenoa, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that allows shoppers to submit their information once, and every company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is you are unable to specify the companies you want pricing from. So if you prefer to choose specific providers to compare rates, we have assembled a list of auto insurance companies in Illinois. Click to view list.

Which method you use is up to you, but be sure to compare exactly the same information for every company. If each company quotes higher or lower deductibles it's not possible to decipher which rate is best in Chenoa. Just a small difference in limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes will improve the odds of getting the best price.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help highlight whether or not you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Should I buy only the required Illinois minimum liability coverage?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Shop smart and save

Affordable auto insurance can be purchased online and also from your neighborhood Chenoa agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

You just read a lot of information how to get a better price on auto insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with the least-expected company. These companies can often insure niche markets at a lower cost compared to the large companies like .

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. In many cases, someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.