Car Insurance in Clay City Illinois - 10 Discounts You Might be Forgetting

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are many Clay City consumers feeling the pinch from expensive car insurance. Having so many choices, it's nearly impossible to pick the best company.

Save big with these ten discounts

Car insurance companies do not advertise every discount very well, so we researched both the well known and the more hidden discounts you could be receiving. If you don't get every credit possible, you're paying more than you need to.

Payment Discounts - By paying your policy upfront instead of paying each month you may reduce your total bill.
Multi-car Discount - Insuring more than one vehicle on the same car insurance policy could earn a price break for each car.
Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Life Insurance Discount - Some companies give a break if you buy life insurance.
Multiple Policy Discount - When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
No Accidents - Drivers with accident-free driving histories pay much less when compared to bad drivers.
Paperwork-free - A few companies may give you up to $50 just for signing your application online.
Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
Homeowners Discount - Simply owning a home can save you money because owning a home shows financial diligence.
Early Signing - A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.

It's important to note that some credits don't apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck.

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

Compare Quotes for Clay City Car Insurance

Finding cheaper car insurance prices doesn't have to be difficult. You just have to spend a few minutes comparing price quotes online from several insurance companies. This can be accomplished using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for a different quote for each company you want a rate for. Filling out one form compares rates .
A more time consuming way to get quotes online is going to the website of each company to complete their respective quote request forms. For instance, let's say you want to compare rates from , and . To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

To view a list of companies in Clay City, click here.

Whichever method you choose, ensure you are comparing apples-to-apples coverage limits and deductibles on every quote you get. If you are comparing different liability limits it will be impossible to determine which rate is truly the best in Clay City.

Car insurance ads bend the truth

Consumers in Illinois can't get away from ads that promise big savings by State Farm, Allstate and GEICO. They all have a common claim that you can save if you switch to their company.

But how can every company claim to save you money?

Insurance companies are able to cherry pick for the driver that is profitable for them. For instance, a driver they prefer might be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be quoted a higher premium and this can result in the customer not buying. Company advertisements say "people who switch" not "people who quote" save that much. That's the way insurance companies can advertise the way they do. This emphasizes why drivers must compare as many rates as you can. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Best coverage at the best price

Lower-priced car insurance can be found both online and also from your neighborhood Clay City agents, so compare prices from both to have the best rate selection. Some car insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Learn more about Illinois car insurance

Additional detailed information is located at the Illinois Department of Insurance website. Visitors are able to view a list of available companies, report car insurance fraud, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include this site for car insurance rates in Illinois and this list of insurance agents in Clay City, IL.