Car Insurance in Grant Park - 7 Discounts to Save Money

Overpriced car insurance can empty your savings account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Drivers have multiple to pick from, and even though it's nice to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates quite often since rates are constantly changing. Even if you got the lowest rates a few years ago there may be better deals available now. So ignore everything you know about car insurance because we're going to show you the tricks you need to know to reduce your cost while increasing coverage.

Take advantage of discounts

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings.

Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Bundle and Save - When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
55 and Retired - Older drivers may be able to get better car insurance rates.
Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
Accident Waiver - Certain companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down your overall premium however.

For a list of companies who offer car insurance discounts in Illinois, click here to view.

Low Cost Grant Park Car Insurance

There are several ways to compare rate quotes from local Grant Park car insurance companies. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished using a couple different methods.

One of the best ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate quotes for every car insurance company. One form gets rate comparisons instantly.

A different way to compare rate quotes is spending the time to visit the website for each individual company and request a quote. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Grant Park, click here.

The least recommended way to get comparison rates is driving to different Grant Park agent offices. Buying insurance online makes this process obsolete unless you have a need for the professional advice of a local Grant Park agent. However, consumers can compare online quotes and still use a local agent and we'll cover that in a bit.

It's up to you which method you use, but make darn sure you compare identical information with every price quote. If you compare higher or lower deductibles it will be very difficult to find the best deal in Grant Park. Quoting even small variations in limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes helps you find the best price.

How to know if you need help

When it comes to choosing adequate coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique so your insurance should reflect that These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered if I wreck a rental car?
Does my policy cover me when driving someone else's vehicle?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

The best insurance company isn't always the cheapest

When shopping online for car insurance, make sure you don't sacrifice coverage to reduce premiums. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest price.

Affordable car insurance can be purchased from both online companies and also from your neighborhood Grant Park agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.