Proven Ways to Save on Elmwood Park Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many people just like you.

Drivers have multiple to buy insurance from, and although it's nice to have a choice, it can be more challenging to compare rates.

It's important to compare prices every six months because prices are constantly changing. If you had the best deal a few years ago there may be better deals available now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Finding affordable coverage in Elmwood Park is easy if you know what you're doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. But Illinois drivers do need to know the methods companies use to market on the web and take advantage of how the system works.

Elmwood Park auto insurance quote

How much can you save with discounts?

Companies offering auto insurance don't list every available discount very clearly, so here is a list both well-publicized as well as the least known auto insurance savings.

  • Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Club Memberships - Participating in a qualifying organization could qualify you for a break on your policy.
  • Federal Government Employee - Simply working for the federal government could cut as much as 10% off with certain companies.
  • Save over 55 - Older drivers can possibly qualify for better auto insurance rates.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Homeowners Discount - Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
  • No Accidents - Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • No Charge for an Accident - Certain companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn't make money that way.

For a list of providers with the best auto insurance discounts in Illinois, follow this link.

How to Compare Auto Insurance Quotes in Elmwood Park, Illinois

There are several ways to compare auto insurance prices but one way is less time-consuming than others. You can waste hours driving to agents in Elmwood Park, or you could save time and use online quoting to quickly compare rates.

Most car insurance companies enroll in a system that allows shoppers to send in one quote, and every company can give them a price determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is that you can't choose the companies you want to price. If you prefer to choose from a list of companies for rate comparison, we have a page of auto insurance companies in Illinois. View list of Illinois insurance companies.

Whichever way you use, ensure you are comparing identical coverages for every company. If your comparisons have different limits and deductibles on each one it's not possible to decipher which rate is best in Elmwood Park. Just a small difference in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate lower pricing.

Shop smart and save

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Budget-conscious auto insurance is definitely available online and also from your neighborhood Elmwood Park agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and many times these smaller companies only sell through independent insurance agents.