Proven Ways to Save on De Kalb Auto Insurance

I can't think of a single person who looks forward to paying for auto insurance, in particular when the cost is way too high. Insurance companies such as GEICO and Progressive promote their brand names with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices periodically because insurance rates are constantly changing. If you had the best price a few years ago there may be better deals available now. Ignore everything you know about auto insurance because you're about to find out the fastest and easiest way to find great coverage at a great price.

De Kalb auto insurance quote

Take advantage of discounts

Car insurance companies do not advertise every available discount in a way that's easy to find, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Seat Belts Save - Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Claim Free - Good drivers with no accidents can save substantially compared to frequent claim filers.
  • Low Mileage - Keeping the miles down can earn discounted rates on garaged vehicles.

It's important to note that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

For a list of providers with the best auto insurance discounts in De Kalb, click here to view.

How to Get De Kalb Auto Insurance Comparison Quotes

Finding a better price on auto insurance isn't really that difficult. Just spend a few minutes on the computer getting comparison quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quotes for every auto insurance company. Just one form gets you coverage quotes instantly.

A less efficient way to compare rate quotes consists of going to the website for each individual company to request a price quote. 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 most consumers use the first method.

To view a list of companies in De Kalb, click here.

It's up to you which method you use, but be sure to compare exactly the same coverages for each price quote. If you compare different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate in De Kalb.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my nanny covered when driving my vehicle?
  • When do I need to add a new car to my policy?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and can provide invaluable advice.

In the end, you save

When shopping online for auto insurance, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

In this article, we presented some good ideas how you can get a better price on auto insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the best prices are with a company that doesn't do a lot of advertising. These companies often have lower prices on specific markets than their larger competitors like .