Free Guide to Saving Money on Glen Ellyn Car Insurance Online

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

Since consumers have many companies to choose from, it can be impossible to pick the most affordable insurance company.

Take advantage of discounts

Companies that sell car insurance don't list every discount very well, so we took the time to find some of the more common and the more hidden car insurance savings.

Accident Free - Drivers with accident-free driving histories can save substantially when compared to bad drivers.
Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy could earn a price break for each car.
Multiple Policy Discount - When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.
Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Paperwork-free - A few companies will give a small break for buying your policy online.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

To see a list of insurance companies who offer car insurance discounts in Illinois, follow this link.

How to Compare Car Insurance Quotes in Glen Ellyn, Illinois

There are several ways to compare quotes from car insurance companies in your area. The best method to find the cheapest insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

The best way to get quotes is to use a rate comparison form click here to open form in new window. This method eliminates the need for separate quotation requests for each company you want a rate for. Filling out one form gets rate comparisons from car insurance companies with the best prices.
Another way to compare rate quotes is spending the time to visit the website of each company and fill out their own quote form. For instance, let's assume you want to compare rates from , and . To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Glen Ellyn, click here.
The least efficient method to get comparison rates is to waste gas driving to different Glen Ellyn agent offices. The internet has reduced the need for local agents unless you prefer the trained guidance that only a license agent can provide. You can, however, obtain prices from the web and still use a local agent and we'll talk about that later.

Whichever way you use, ensure you are comparing apples-to-apples information for every quote you compare. If your comparisons have higher or lower deductibles it will be next to impossible to determine the best price in Glen Ellyn. Just a small difference in coverages can make a big difference in price. Just remember that quoting more gives you a better chance of getting the best price.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are a few of the "ingredients" companies use to determine prices.

Do you have a high stress job? - Did you know your job can affect your rates? Careers like lawyers, architects and stock brokers tend to pay the highest rates attributed to high stress levels and long work days. On the other hand, professions such as actors, students and performers have the lowest average rates.
Do you know your deductibles? - Your deductibles define the amount you are required to spend in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, damage caused by hail, and windstorm damage. The higher the amount you're willing to pay, the less your car insurance will be.
Where you live can impact rates - Choosing to live in small towns and rural areas can save you money when it comes to car insurance. City drivers have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents.
What type of vehicle do you drive? - The performance level of the vehicle you are buying insurance for makes a big difference in the rate you pay. The most favorable rates are generally reserved for low performance passenger vehicles, but the final cost of insurance is determined by many other factors.
Better credit means lower rates - Having a bad credit history is a large factor in calculating your car insurance rates. So if your credit rating is not that good, you could pay less to insure your by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Marriage pays dividends - Having a spouse can get you a discount when buying car insurance. Having a significant other is viewed as being more responsible and it's statistically proven that being married results in fewer claims.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing about savings after switching to them. But how can every company make the same claim?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For example, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A customer who fits that profile receives the best rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted higher prices which usually ends up with business going elsewhere. Company advertisements say "people who switch" not "people who quote" save money. That's the way companies can truthfully claim big savings. This emphasizes why drivers must get quotes from several different companies. Because you never know which car insurance company will give you the biggest savings.

Affordable insurance is out there

Cheaper car insurance can be purchased from both online companies and with local Glen Ellyn insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

When trying to cut insurance costs, don't be tempted to reduce coverage to reduce premium. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

Learn more about Illinois car insurance

Even more information can be found at the Illinois Department of Insurance website. Consumers can read industry bulletins, report car insurance fraud, view agent and company licensing information, and learn about specific coverages.

Additional helpful sites include this online resource for car insurance quotes in Illinois and this list of insurance agents in Glen Ellyn.