Easy Ways to Save Money on Coal City Car Insurance

Buying the cheapest Coal City car insurance on the internet is rather challenging for beginners to shopping for insurance online. Because there are so many insurance companies available, how can consumers even start to compare every one to find the best pricing?

It's important to take a look at other company's rates yearly due to the fact that insurance rates are constantly changing. Just because you had the best price a year ago you will most likely find a better rate today. Ignore everything you know about car insurance because we're going to demonstrate the proper way to eliminate unnecessary coverages and save money.

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but a few need to be specifically requested before they will apply. If you're not getting every credit you deserve, you are throwing money away.

  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Bundle and Save - If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Good Student Discount - Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • College Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Passive Restraints - Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

Illinois car insurance quotes

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every situation is different.

For example, these questions can help discover if your insurance needs may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Should I buy only the required Illinois minimum liability coverage?
  • Why does it cost so much to insure a teen driver in Coal City?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Do I pay less if my vehicle is kept in my garage?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Illinois get pounded daily by advertisements for car insurance savings by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you switch to their company.

How does each company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the driver that earns them a profit. For example, a desirable insured might be over the age of 50, has no prior claims, and has excellent credit. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully make those claims.

Because of the profiling, you should get quotes from several different companies. You cannot predict which insurance companies will have the lowest rates.

Additional information can be found on the Illinois Department of Insurance website found here. Visitors are able to view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.

Also read more on Wikipedia and this page where you can research Coal City insurance agents.

Illinois car insurance quotes

And the best car insurance company is...

While you're price shopping online, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time they didn't purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price.

We just presented many ways to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

Consumers switch companies for a variety of reasons including delays in paying claims, policy non-renewal, high prices and even not issuing a premium refund. It doesn't matter what your reason, finding a new car insurance company is less work than it seems.