Car Insurance in Coal Valley - 8 Discounts to Save Money
Expensive car insurance can overdraw your savings account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill. Because there are so many online and local companies to choose from, it's nearly impossible to pick the most affordable insurance company.
It's important to compare prices on a regular basis since rates are constantly changing. Even if you got the best price last year you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to learn the tricks you need to know to properly buy coverages while reducing your premium.
Which Car Insurance is Cheapest in Coal Valley, Illinois?
There are multiple methods to compare car insurance quotes, and some are less labor-intensive and much quicker. You can spend countless hours talking to insurance agencies in Coal Valley, or you could use the web to get the quickest rates.
The majority of car insurance companies enroll in a system that enables customers to only type in their quote data once, and each participating company then returns a price quote for coverage. This saves time by eliminating quote forms to each individual car insurance company.
To submit your quote information now, click to open in new window.
One minor caviat to comparing rates this way is you are unable to specify the providers you want to price. So if you want to choose specific insurance companies to compare rates, we put together a list of companies who write car insurance in Illinois. Click to view list.
It's your choice how you get your quotes, but ensure you are comparing apples-to-apples information on every quote you get. If you use higher or lower deductibles you can't possibly determine which rate is truly the best in Coal Valley.
Don't pay full price with these eight discounts
Companies that sell car insurance don't always advertise all their discounts very well, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you don't get every credit you deserve, you're paying more than you need to.
- Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.
- Accident Waiver - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
- Bundle and Save - When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
- Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
- Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
- Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
- No Accidents - Drivers who don't have accidents can save substantially as compared to bad drivers.
- Sign Online - A handful of insurance companies may give you up to $50 for buying your policy online.
As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren't that generous.
To see a list of companies who offer car insurance discounts in Illinois, click here to view.
For more Illinois car insurance information
Even more information can be found at the Illinois Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, view agent and company licensing information, and find out industry alerts.
Additional helpful sites include Wikipedia and this page where you can research Coal Valley insurance agents.
