8 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Havana

No one enjoys paying for car insurance, especially when the price is too high.

Because you have many companies and agents to choose from, it is very difficult to pick the lowest cost car insurance company.

It's important to price shop coverage occasionally since rates are constantly changing. If you had the best deal on your last policy you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because we're going to show you the proper way to lower your annual insurance bill.

Finding Car Insurance in Havana, IL

Most companies allow you to get coverage price quotes on their websites. Getting quotes doesn't take a lot of time as you just type in your coverage preferences into the quote form. When the form is submitted, their rating system will obtain reports for credit and driving violations and returns a price quote based on these factors. This makes it a lot easier to compare rates but the time required to go to many different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to perform this step in order to find a lower rate.

There is a better way!

A quicker way to get multiple rate quotes is to use a quote form that gets price quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online price comparison much more enjoyable. After sending your information, it is rated and you are able to buy any or none of the quotes returned.

If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process only takes a few minutes and could lower your rates considerably.

To find out how much you're overpaying now, click here and enter your information. If you have a policy now, it's recommended you type in deductibles and limits exactly as shown on your declarations page. This ensures you're receiving a fair comparison for similar insurance coverage.

More discounts equal less premium

Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply when you get a quote, but some must be inquired about before you will receive the discount.

  • Accident Forgiveness - Some insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Driver's Ed - Have your child complete a driver education course in high school.
  • No Claims - Good drivers with no accidents can earn big discounts as compared to bad drivers.
  • Defensive Driving Course - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.

It's important to note that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you're out of luck. But any discount will help reduce your premiums.

To see a list of companies with the best car insurance discounts in Illinois, follow this link.

It's not one size fits all

When choosing proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that might point out if you might need professional guidance.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?

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

For more Illinois car insurance information

More information is available on the website for the Illinois Department of Insurance located here. Consumers can learn about insurance regulations, read consumer alerts, download brochures, and file complaints about a company.

Additional helpful sites include this site for Illinois car insurance information and see this list of insurance agents in Havana.