Free Guide to Saving Money on Genoa Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you are not the only one feeling buyer's remorse.

Popular companies such as GEICO and Progressive all claim big savings with fancy advertisements and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will most likely be able to save some money using these methods. Buying car insurance in Genoa is quite easy. Nevertheless, Illinois vehicle owners do need to know how the larger insurance companies price online insurance and take advantage of how the system works.

Save big with these discounts

Car insurance companies do not advertise all available discounts in a way that's easy to find, so here is a list some of the best known as well as the least known savings tricks you should be using.

  • Club Memberships - Affiliation with a civic or occupational organization is a good way to get lower rates when buying auto insurance.
  • Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Auto/Home Discount - When you have multiple policies with the same company you may save up to 20% off your total premium.
  • No Claims - Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education in school.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% depending on your company.
  • Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Military Discounts - Being on active duty in the military could mean lower rates.

Consumers should know that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies don't profit that way.

For a list of insurers offering auto insurance discounts in Genoa, click here to view.

How to Compare Auto Insurance in Genoa, Illinois

There are several ways of comparing rate quotes from auto insurance companies in your area. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

One of the best ways consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating boring form submissions for every auto insurance company. Filling out one form compares rates from all major companies.

A less efficient way to get quotes online is going to each individual company website to complete a price quote. For sake of this example, let's say you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is more popular.

To view a list of companies in Genoa, click here.

The least recommended method to compare rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the professional guidance of a local agent. However, consumers can compare online quotes and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits and deductibles with each company. If you enter different liability limits it's impossible to make an equal comparison in Genoa. Quoting even small variations in coverage limits could mean much higher rates. Just remember that having more price comparisons will improve the odds of getting the best rates.

Affordable insurance is out there

Cost effective auto insurance can be found on the web in addition to many Genoa insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, it's a bad idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.