8 Best Tricks to Lower Car Insurance Costs in Greenfield

Having to pay for overpriced car insurance can overdraw your savings account and put the squeeze on your family's finances. Comparing price quotes is a smart way to slash your bill and have more diposable income.

Popular companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons quite often since rates are constantly changing. Just because you found the best price last year there may be better deals available now. Ignore everything you know about car insurance because you're about to find out the quickest way to buy cheaper car insurance.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in Greenfield is quite easy. Nevertheless, Illinois car owners do need to know the way companies sell online and apply this information to your search.

Greenfield car insurance comparison

How much can you save with these eight discounts?

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Certain discounts will be applied when you get a quote, but a few need to be asked for before you will receive the discount.

  • College Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • 55 and Retired - Older drivers may receive reduced rates.
  • Club Memberships - Belonging to a civic or occupational organization could qualify you for a break on car insurance.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Bundle and Save - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Accident Free - Drivers who don't have accidents can save substantially as compared to frequent claim filers.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill depending on where you live.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of companies with discount car insurance rates in Greenfield, follow this link.

Low Cost Greenfield Car Insurance

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You can waste hours talking to insurance companies in Greenfield, or you can stay home and use the web to get rates in a matter of minutes.

Most car insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing determined by their information. This eliminates the need for quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one downside to doing it this way is you can't choose the companies to receive prices from. So if you want to choose specific providers to compare prices, we have a listing of the cheapest car insurance companies in Illinois. Click here to view list.

Which method you use is up to you, but make darn sure you compare exactly the same quote information for each price quote. If your comparisons have mixed coverages you will not be able to truly determine the lowest rate in Greenfield. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, more quotes will increase your chances of finding a better price.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs might need an agent's assistance.

  • Why does it cost so much to insure a teen driver in Greenfield?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I really need UM/UIM coverage?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Shop smart and save

As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.

Cost effective car insurance can be sourced from both online companies and with local Greenfield insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers sell through independent agents.