8 Methods to Save on Car Insurance in Harvard

Having to pay for overpriced car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

Consumers have many to buy insurance from, and although it's nice to have a selection, it can be more difficult to compare rates.

It's important to compare rates yearly since rates are constantly changing. Despite the fact that you may have had the best deal last year the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because we're going to show you the proper way to properly buy coverages and cut your premium.

Buying the cheapest protection in Harvard is simple if you know the tricks. Just about anyone who has to buy car insurance will be able to save money. Nevertheless, Illinois consumers do need to know how big insurance companies compete online and take advantage of how the system works.

These eight discounts can lower your rates

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some must be asked for before being credited.

  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
  • Resident Student - Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Low Mileage - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • E-sign - Certain companies may give you up to $50 simply for signing over the internet.
  • Senior Citizens - Mature drivers may be able to get better car insurance rates.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.

Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will bring down the cost of coverage.

To see a list of providers who offer car insurance discounts in Illinois, click here to view.

Illinois car insurance

How to Get Cheap Car Insurance in Harvard, IL

Most companies like State Farm and Allstate quote prices online. Getting quotes is quite easy as you simply enter your required coverages as detailed in the form. Once you submit the form, the system will obtain your credit score and driving record and returns pricing information determined by many factors. Being able to quote online simplifies rate comparisons, but the time it takes to visit a lot of sites and complete many quote forms gets old quite quickly. But it's very important to do this if you are searching for better car insurance pricing.

There is an easier way!

The preferred way to compare car insurance pricing is to use a quote form that analyzes rates from more than one company. The form is fast, reduces the work, and makes online price comparison much more efficient. After sending your information, it is quoted and you can select any one of the price quotes you receive.

If a lower price is quoted, you simply finish the application and buy the policy. It only takes a few minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it's recommended you replicate identical to your current policy. This makes sure you're receiving a fair comparison based on the exact same insurance coverage.

Different people need different coverages

When choosing proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can help discover whether you might need professional guidance.

  • Should I buy only the required Illinois minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver in Harvard?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my vehicle?
  • Is my vehicle covered for flood damage?
  • Does medical payments coverage apply to all occupants?

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 want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Are you falling for claims of savings?

Companies like State Farm and Allstate continually stream ads on television and other media. All the ads make an identical promise of big savings after switching to their company. How does each company claim to save you money?

All companies have a preferred profile for the driver that is profitable for them. An example of a preferred risk might be between 30 and 50, has no prior claims, and has great credit. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be charged higher prices and ends up with the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much. This is how insurance companies can confidently advertise the savings.

That is why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Affordable insurance is out there

We just covered many tips how you can compare car insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. Consumers could even find that the best prices are with the least-expected company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as .

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Illinois car insurance quotes

Additional car insurance information is available on the website for the Illinois Department of Insurance located here. Visitors are able to file complaints about a company, view agent and company licensing information, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.