6 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Homer Glen

Searching for the most affordable Homer Glen car insurance online can be rather challenging for people who are new to comparison shopping online. When there are so many online companies available, how can you even start to compare them all to find the best pricing?

It's important to get comparison quotes quite often since rates are constantly changing. If you had the best price last year you can probably find a better price now. Forget all the misinformation about car insurance because you're about to learn the fastest and easiest way to get good coverage at a lower rate.

Be sure to get all your discounts

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you don't get every credit you deserve, you are paying more than you should be.

Life Insurance Discount - Some companies give a break if you buy auto and life insurance together.
55 and Retired - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Sign Early and Save - Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
Bundle and Save - If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.

Keep in mind that some credits don't apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

To choose companies with the best car insurance discounts in Illinois, click here.

Is there truth in advertising?

Consumers can't ignore all the ads for car insurance savings from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim that you can save if you move your policy.

But how can every company make the same claim?

All the different companies have a preferred profile for the right customer that makes them money. For example, a desirable insured could be over the age of 40, insures multiple vehicles, and has great credit. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will have to pay a more expensive rate and this can result in business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can advertise the savings.

Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's needs are different.

For example, these questions may help you determine whether or not you could use an agent's help.

When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Am I covered when driving in Canada or Mexico?
Do I need PIP (personal injury protection) coverage in Illinois?
Is my vehicle covered for flood damage?
Does my policy cover me when driving someone else's vehicle?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don't have a local agent, complete this form. It is quick, free and can help protect your family.

More sites with car insurance information

More information can be found on the Illinois Department of Insurance website located here. Consumers can view agent and company licensing information, learn about insurance regulations, and download brochures.

Other informative sites include Wikipedia and this page where you can research Homer Glen insurance agents.

Best coverage at the best price

As you prepare to switch companies, don't be tempted to buy poor coverage just to save money. In many instances, drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, denial of a claim, extreme rates for teen drivers or even high prices. Regardless of your reason, choosing a new insurance company is easier than you think.

Affordable car insurance is definitely available from both online companies in addition to many Homer Glen insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.