Comparison Shop Elgin Auto Insurance Prices With These Techniques

Buying the lowest cost Elgin auto insurance over the internet is difficult for consumers new to price shopping online. With so many insurers available, how can you have a chance to compare the different rates to find the lowest rates?

compare Elgin auto insurance rates

These discounts can lower your rates

Auto insurance companies don't necessarily list every discount in a way that's easy to find, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Multiple Policy Discount - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Air Bag Discount - Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Seat Belts Save - Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Government Employees - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Senior Discount - Older drivers may qualify for better auto insurance rates.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it's possible to get free car insurance, you won't be that lucky.

For a list of insurance companies offering auto insurance discounts in Elgin, click here to view.

Where Can I Get Cheap Elgin Auto Insurance?

Most major insurance companies provide coverage prices online. Getting online quotes is pretty painless as you simply type in your required coverages as detailed in the form. Once entered, their system will obtain credit information and your driving record and returns pricing information based on many factors.

Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

A more efficient way to compare auto insurance pricing requires only one form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes online shopping much more efficient. After sending your information, it gets priced and you can choose your choice of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and submit the form. If you have your current policy handy, we recommend you enter the insurance coverages as close as possible to your current policy. This helps ensure you will be getting rate quotes based on identical coverages.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's needs are different.

For instance, these questions can help discover whether you would benefit from an agent's advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to get a high-risk car insurance policy?
  • Should I put collision coverage on all my vehicles?
  • What are Illinois no-fault laws?

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Shop smart and save

People switch companies for many reasons like unfair underwriting practices, policy non-renewal, poor customer service and being labeled a high risk driver. Regardless of your reason for switching companies, finding the right auto insurance provider is not as hard as you think.

When you buy insurance online, it's a bad idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Throughout this article, we presented some good ideas how you can get a better price on auto insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the most savings is with an unexpected company.