7 Discounts Cissna Park Shoppers Forget when Quoting Car Insurance

Nobody looks forward to paying for car insurance, especially when the cost is way too high.

Online insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with TV and radio ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage periodically since rates are constantly changing. If you had the best price a couple years back you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to find out one of the easiest ways to eliminate unnecessary coverages and save money.

Illinois car insurance

How to Get Cissna Park Car Insurance Comparison Quotes

There are several ways to compare rate quotes from different Cissna Park insurance companies. The best method to compare insurance prices consists of shopping online. This can be done using a couple different methods.

  • The recommended way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for a different quote for every car insurance company. Just one form will return price quotes .
  • A different way to compare rate quotes consists of visiting each company website and fill out their own quote form. For example, let's say you want to compare , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Cissna Park, click here.
  • The least recommended method of comparing rate quotes is to waste gas driving to different Cissna Park agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance of a local Cissna Park agent. However, consumers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's up to you which method you use, but be sure to compare exactly the same deductibles and coverage limits for every quote you compare. If you have different values for each quote then you won't be able to determine the best price in Cissna Park. Quoting even small variations in coverages may result in large price differences. Keep in mind that comparing more company's prices will increase your chances of finding better pricing.

Take advantage of discounts

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but a few need to be asked about prior to receiving the credit.

  • Sign Early and Save - Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
  • Passive Restraints - Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Drivers Ed for Students - Have your child take driver's ed class in high school.
  • Military Discounts - Being on active duty in the military can result in better rates.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Multi-policy Discount - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of providers with the best car insurance discounts in Cissna Park, click here to view.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every situation is different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have any recourse if my insurance company denies a claim?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Additional information can be found on the website for the Illinois Department of Insurance found here. Consumers can learn about specific coverages, find out industry alerts, download brochures, and view a list of available companies.