Car Insurance in Dolton - 10 Discounts You Might be Missing

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other Illinois drivers.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices once or twice a year since rates are constantly changing. Even if you got the best price a few years ago you may be paying too much now. Forget all the misinformation about car insurance because you're about to find out the only way to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. Finding the best rates in Dolton is quite easy. Nevertheless, Illinois consumers do need to know how the larger insurance companies price online insurance and apply this information to your search.

How to Compare Car Insurance Costs in Dolton

Most major insurance companies quote price estimates on the web. Getting quotes is quite simple as you just type in the amount of coverage you want as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and returns pricing information based on these and other factors. Online quotes streamlines rate comparisons, but the time it takes to visit several different sites and type in the same information can get tiresome after awhile. But it's very important to have as many quotes as possible if you are searching for the best price on car insurance.

There is an easier way!

A less time-consuming method to find cheaper rates is to use a quote form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes price shopping online much more efficient. As soon as you send your information, it is quoted and you can choose your choice of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It takes 15 minutes at the most and can result in significant savings.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. This way, you will get comparison quotes based on similar coverages.

Are you getting all your discounts?

Companies do not advertise all their discounts in a way that's easy to find, so we took the time to find both the well known and the harder-to-find ways to save on car insurance.

Homeowners Pay Less - Owning a house in Dolton may earn you a small savings because owning a home is proof that your finances are in order.
Lower Rates for Military - Having a family member in the military could mean lower rates.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Payment Discounts - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
Auto/Life Discount - Larger companies have better rates if you take out auto and life insurance together.
Club Memberships - Being a member of a civic or occupational organization could trigger savings on car insurance.
Seat Belts Save more than Lives - Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
Employee of Federal Government - Simply working for the federal government may qualify you for a discount with select insurance companies.
Passive Restraints and Air Bags - Factory air bags can qualify for discounts of up to 25% or more.
Senior Citizens - Older drivers may qualify for a small decrease in premiums.

It's important to understand that many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn't quite work that way.

For a list of companies offering car insurance discounts in Dolton, click this link.

More tips and info about car insurance can be found at the Illinois Department of Insurance website. Visitors are able to get help finding coverage, view a list of available companies, read consumer alerts, and file complaints about an insurance agent or broker.

Shop smart and save

Low-cost car insurance can be found both online as well as from independent agents in Dolton, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, it's not a good idea to reduce needed coverages to save money. In many cases, an insured dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price.