8 Best Tips to Slash Car Insurance Costs in Columbia, IL
Are you sick and tired of not being able to afford each month for car insurance? You're in the same situation as many other drivers in Illinois.
Having so many online and local companies to choose from, it's difficult to pick the most cost effective provider.
How to Compare Car Insurance Costs in Columbia
Performing a rate comparison can take hours if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to insurance agencies in Columbia, or you can utilize the internet to get the quickest rates.
The majority of car insurance companies take part in a program that enables customers to submit one quote, and at least one company provides a quote for coverage. This eliminates the need for quote forms to each individual car insurance company.
To submit your quote information now, click to open in new window.
The one downside to getting quotes like this is buyers cannot specifically choose the providers to get quotes from. So if you want to select specific providers to request quotes from, we put together a list of low cost car insurance companies in Illinois. Click here to view list.
It doesn't matter which method you choose, just double check that you are using apples-to-apples quote information for each comparison quote. If you use mixed coverages it will be impossible to determine the lowest rate in Columbia. Just a small difference in coverages can mean a large discrepancy in price. It's important to know that more quotes provides better odds of finding a better price.
Don't pay full price with these eight discounts
Companies do not advertise every discount very well, so we took the time to find some of the more common and the more hidden car insurance savings.
- Driver's Ed - Have your child successfully complete driver's ed class if offered at their school.
- Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you can actually save on your bill.
- Multiple Cars - Having all your vehicles on the same car insurance policy could earn a price break for each car.
- Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
- Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Safety Course Discount - Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
- Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Distant Student - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.
To see a list of insurance companies with discount car insurance rates in Illinois, follow this link.
More Illinois car insurance information
Even more information can be found at the Illinois Department of Insurance website. Consumers can download brochures, view a list of available companies, report car insurance fraud, and find out industry alerts.
Additional helpful sites include this site for car insurance rates in Illinois and this list of insurance agents in Columbia, IL.
