8 Simple Methods to Lower Car Insurance Costs in Highland, IL

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, many Highland consumers feel financially strained by their car insurance policy.

Lots of contend for your hard-earned dollar, so it can be very hard to choose a to find the lowest rate

It's important to compare prices every six months since rates are constantly changing. Just because you found the best deal a few years ago you can probably find a better price now. Starting right now, block out anything you think you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

If you have car insurance now, you should be able to save some money using this strategy. Finding the best rates in Highland is easy if you know what you're doing. But Illinois car owners do need to know the way insurance companies sell online and take advantage of how the system works.

Highland car insurance comparison

These eight discounts can lower your rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you quote, but some must be manually applied prior to getting the savings.

  • 55 and Retired - If you're over the age of 55, you may receive a small decrease in premiums.
  • Organization Discounts - Belonging to certain professional organizations could trigger savings on car insurance.
  • Safety Course Discount - Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Claim Free - Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
  • Drive Less and Save - Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • New Car Discount - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way. But all discounts will cut the cost of coverage.

To choose companies with discount car insurance rates in Highland, click this link.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all seem to make the same claim that you'll save big if you change your coverage to them. How do they all make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured could be a mature driver, has no driving citations, and drives less than 7,500 miles a year. Any new insured who matches those parameters will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a higher premium which leads to business going elsewhere. The ads say "drivers who switch" not "everybody who quotes" save that much money. That's the way companies can advertise the way they do.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Much more information about car insurance in Illinois is available on the website for the Illinois Department of Insurance. Click here for link. Consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, discover disciplinary actions, and read industry bulletins.

Shop smart and save

When shopping online for car insurance, you should never buy poor coverage just to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price.

Budget-conscious car insurance can be sourced from both online companies as well as from independent agents in Highland, and you need to price shop both to have the best rate selection. Some car insurance companies don't offer online price quotes and most of the time these smaller companies sell through independent agents.