7 Ways to Save on Car Insurance in Huntley

Nobody I know cherishes buying car insurance, especially when they are paying too much. Lots of contend to insure your vehicles, and it can be difficult to compare rates to get the lowest price

It's important to price shop coverage occasionally since rates are constantly changing. Despite the fact that you may have had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

If you have a current car insurance policy or need a new policy, you can learn to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you in Huntley is quite easy. Illinois drivers only need an understanding of the most efficient way to shop their coverage around over the internet.

More discounts equal less premium

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount. If they aren't giving you every credit you qualify for, you are throwing money away.

College Student - Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
Anti-theft System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
Clubs and Organizations - Belonging to certain professional organizations may earn a discount on car insurance.

Consumers should know that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will cut your premiums.

It's not one size fits all

When it comes to buying coverage for your vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out if you might need an agent's assistance.

What are Illinois no-fault laws?
Do I need PIP (personal injury protection) coverage in Illinois?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed 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. It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings after switching your policy.

How do they all make the same claim?

Different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a desirable insured could be between the ages of 30 and 50, owns a home, and has a short commute. Any new insured that hits that "sweet spot" receives the best rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will have to pay more money and this can result in business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently make the claims of big savings.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which company will fit your personal profile best.

Additional car insurance information can be read on the website for the Illinois Department of Insurance located here. Consumers can read enforcement actions against agents and companies, read consumer alerts, report car insurance fraud, and view a list of available companies.

Best coverage at the best price

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford.

Cost effective car insurance can be bought from both online companies in addition to many Huntley insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.