Car Insurance in Granite City, IL - 6 Discounts You Might be Losing Out On

Buying affordable Granite City car insurance online can be intimidating for consumers not familiar with online price comaprisons. Since there are so many online companies available, how can you possibly compare every company to locate the best available rates?

Save big with these six discounts

Companies that sell car insurance don't list every discount in a way that's easy to find, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

  • No Accidents - Drivers who don't have accidents can save substantially when compared to drivers who are more careless.
  • Accident Waiver - A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Life Insurance Discount - Some companies give better rates if you take out a life insurance policy as well.
  • Paperwork-free - Certain companies may give you up to $50 just for signing your application digitally online.

Keep in mind that some credits don't apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all have a common claim that you can save if you switch to their company. How can each company claim to save you money? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For example, a driver they prefer might be over the age of 40, insures multiple vehicles, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be quoted more money and this can result in the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. This is how insurance companies can advertise the savings. This emphasizes why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

For more Illinois car insurance information

Additional detailed information can be found at the Illinois Department of Insurance website. Visitors are able to read industry bulletins, learn about insurance regulations, and read consumer alerts.

Do the work, save more money

Drivers switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, policy non-renewal and even unfair underwriting practices. Whatever your reason, switching car insurance companies is less work than it seems.

Affordable car insurance can be found both online and also from your neighborhood Granite City agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

When you buy insurance online, it's not a good idea to skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.