6 Tips to Save on Car Insurance in Geneseo

Finding lower rates for Geneseo car insurance is a challenge for people who are new to comparison shopping online. People have so many choices that it can be a ton of work to locate the lowest price in Geneseo.

It's important to get comparison quotes before your policy renews since rates are constantly changing. Despite the fact that you may have had the best deal six months ago you may be paying too much now. So forget all the misinformation about car insurance because we're going to show you the only way to save on car insurance.

Choosing the best insurance company for you in Geneseo is not that difficult. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Although Illinois car owners do need to know the methods companies use to compete online and take advantage of how the system works.

How to Compare Geneseo Car Insurance Rates

There are multiple methods you can shop for car insurance but some are easier and takes less work. You could spend your day driving to agents in Geneseo, or you can stay home and use the internet to get the quickest rates.

All the larger companies participate in a marketplace that enables customers to complete one form, and each company can give them a price for coverage. This eliminates the need for repetitive form submissions to each individual car insurance company.

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

The only drawback to pricing coverage this way is that you can't choose which companies you want to price. So if you prefer to pick specific providers for rate comparison, we put together a list of the cheapest car insurance companies in Illinois. Click to view list.

Which method you use is up to you, but ensure you're using apples-to-apples coverage information with every price quote. If you use unequal deductibles or liability limits it will be very difficult to find the best deal in Geneseo. Just a small difference in coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons provides better odds of finding the best offered rates.

Geneseo car insurance quote

Don't pay full price with these six discounts

Car insurance companies don't always advertise every available discount very well, so here is a list some of the more common and the harder-to-find car insurance savings.

  • Multi-policy Discount - When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with certain companies.
  • Resident Student - Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • No Claims - Claim-free drivers can earn big discounts compared to frequent claim filers.
  • Passive Restraints and Air Bags - Vehicles with factory air bags can receive discounts of 20% or more.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

For a list of providers who offer car insurance discounts in Illinois, follow this link.

Even more information is available at the Illinois Department of Insurance website. Consumers can read consumer alerts, read industry bulletins, and read enforcement actions against agents and companies.

Other useful links include Wikipedia and this Geneseo agent directory.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, do not reduce needed coverages to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Consumers change insurance companies for any number of reasons including policy non-renewal, high rates after DUI convictions, not issuing a premium refund and policy cancellation. Regardless of your reason, switching car insurance companies is not as hard as you think.

The cheapest car insurance can be bought from both online companies in addition to many Geneseo insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.