5 Ways You Can Buy Car Insurance for Less in Gerlaw

Beginners to buying insurance online will discover shopping for low-cost Gerlaw car insurance quite difficult.

It's important to shop coverage around periodically since rates are constantly changing. Just because you found the lowest rates a few years ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to find better rates and still maintain coverage.

Policy discounts you shouldn't miss

Car insurance companies don't necessarily list every available discount in a way that's easy to find, so we break down some of the more common and the more hidden ways to save on car insurance.

  • Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Homeowners Savings - Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Federal Employees - Active or retired federal employment may qualify you for a discount with certain companies.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

It's important to note that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you're out of luck.

Gerlaw car insurance quote

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there really is not a "perfect" insurance plan. Each situation is unique.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form.

Save $429 a year? Really?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads make the same claim that you can save after switching your coverage to them. How can each company make the same claim?

All the different companies have a certain "appetite" for the type of customer that earns them a profit. For example, a preferred risk could be between the ages of 30 and 50, a clean driving record, and has a short commute. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will be charged higher prices which leads to business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That is how insurance companies can make the claims of big savings. That is why drivers should compare as many rates as you can. It's just too difficult to predict which company will fit your personal profile best.

Additional Illinois consumer information

Additional detailed information can be found at the Illinois Department of Insurance website. Consumers can find out industry alerts, file complaints about a company, and report car insurance fraud.

Illinois car insurance

Final considerations

As you shop your coverage around, it's a bad idea to skimp on coverage in order to save money. Too many times, someone dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

You just learned many ideas to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising.

Lower-priced car insurance can be sourced from both online companies as well as from independent agents in Gerlaw, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.