Top 7 Ways to Pay Less on Car Insurance in Dixon

No one in their right mind looks forward to buying car insurance, particularly when they are paying too much.

You have multiple to buy insurance from, and although it's a good thing to have a selection, having more makes it harder to compare rates.

Finding affordable coverage in Dixon is easy if you know what you're doing. In a nutshell, everyone who is required by state law to have car insurance should be able to lower their premiums. But Illinois consumers do need to know how insurance companies market insurance on the web because it can help you find the best coverage.

How much can you save with these seven discounts?

Companies don't always advertise every discount very clearly, so we researched both the well known as well as the least known ways to save on car insurance.

Military Rewards - Having a family member in the military could be rewarded with lower premiums.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Safety Course Discount - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
Distant Student - Any of your kids who are attending college and don't have a car can receive lower rates.
Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
Accident Forgiveness - Certain companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates you could get a free car insurance policy, companies wouldn't make money that way.

To see a list of insurance companies with discount car insurance rates in Illinois, click this link.

Finding Car Insurance Deals in Dixon, IL

Performing a rate comparison can take time and effort if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Dixon, or you could save time and use the internet to quickly compare rates.

Many insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each participating company provides a quote based on that data. This system prevents you from having to do quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The single downside to doing it this way is you don't know exactly which carriers to get quotes from. If you would rather choose individual companies to receive pricing from, we have a page of car insurance companies in Illinois. Click here to view list.

It's up to you how you get prices quotes, just make absolute certain that you use identical coverage limits for each price quote. If you have differing limits it's impossible to truly determine the lowest rate in Dixon. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps locate better pricing.

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different so this has to be addressed. For example, these questions might point out if your insurance needs may require specific advice.

Am I covered when pulling a rental trailer?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I rate my vehicle as pleasure use or commute?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier

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

Car insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all make the same claim that you'll save big if you change to them. How does each company claim to save you money?

Different companies have a certain "appetite" for the type of driver that is profitable for them. For instance, a driver they prefer might be over the age of 50, owns a home, and has excellent credit. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will be quoted higher premiums which leads to the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. That is how companies can make those claims. This emphasizes why drivers must compare many company's rates. It's just too difficult to predict which company will have the lowest rates.

Affordable insurance is out there

While you're price shopping online, it's very important that you do not reduce coverage to reduce premium. There have been many situations where an insured cut collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Budget-conscious car insurance is attainable both online and with local Dixon insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

More detailed Illinois car insurance information is located at the Illinois Department of Insurance website. Visitors are able to view a list of available companies, read consumer alerts, discover disciplinary actions, and read enforcement actions against agents and companies.