Car Insurance in Dekalb - 6 Discounts to Save Money

Beginners to buying insurance online will find buying cut-rate Dekalb car insurance quite challenging.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Even if you got the best price last year you can probably find a better price now. Forget all the misinformation about car insurance because you're about to learn the tricks you need to know to find better coverage at a better price.

This article will introduce you to how to effectively get price quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Illinois drivers only need an understanding of the most effective way to compare prices over the internet.

Dekalb car insurance comparison

How much can you save with these six discounts?

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be asked for before you will receive the discount. If you don't get every credit you qualify for, you are paying more than you should be.

  • College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Bundle and Save - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • New Car Discount - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.

It's important to understand that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To choose companies who offer car insurance discounts in Illinois, follow this link.

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

Consumers can't ignore all the ads for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings after switching to their company.

But how can every company make the same claim?

All companies have a certain "appetite" for the driver that makes them money. For example, a desirable insured could be a mature driver, owns a home, and drives newer vehicles. Any new insured who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money which usually ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently claim big savings.

Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

How much car insurance do I need?

When buying the right insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • What are Illinois no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Illinois?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Additional car insurance information can be found on the Illinois Department of Insurance website through this link. Consumers can read enforcement actions against agents and companies, find out industry alerts, and view agent and company licensing information.

Other informative sites include Auto Insurance 101 and this page of insurance agents in Dekalb.

Dekalb car insurance quote

In the end, you save

When trying to cut insurance costs, do not buy poor coverage just to save money. There are many occasions where an insured cut physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate.

You just learned a lot of information how to save on car insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best price on car insurance is with an unexpected company.

Low-cost car insurance can be purchased from both online companies and also from your neighborhood Dekalb agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.