Top 5 Ways to Save Money on Car Insurance in Jerseyville

Shopping for affordable Jerseyville car insurance over the internet is problematic for people who are new to comparison shopping online. With a ridiculous number of insurers to choose from, how can consumers 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. Even if you think you had the lowest price a couple years back you can probably find a lower rate today. Block out anything you think you know about car insurance because you're about to learn how to quote online to get good coverage at a lower rate.

Shopping for affordable car insurance in Jerseyville is easy if you know what you're doing. If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Illinois consumers only need to know the tricks to compare rates on the web.

Illinois car insurance quotes

Free Quotes for Car Insurance in Jerseyville, Illinois

Cutting your Jerseyville car insurance rates is not a difficult process. Consumers just need to take time comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The recommended way consumers can analyze rates is a comparison rater form (click to open form in new window). This easy form prevents you from having to do a different quote for every car insurance company. One form will get you price quotes . Just one form and you're done.
  • A different way to shop for car insurance online requires a visit to the website for each individual company to request a price quote. For sake of this example, let's assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in Jerseyville, click here.

It's your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage limits for each price quote. If you enter differing limits it will be impossible to truly determine the lowest rate in Jerseyville.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Some discounts apply automatically when you get a quote, but less common discounts must be asked about before you will receive the discount. If you don't get every credit you deserve, you're paying more than you need to.

  • Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • 55 and Retired - Mature drivers may receive a discount up to 10%.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies with discount car insurance rates in Illinois, click here to view.

Insurance agents can help

When choosing the best car 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 your personal situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Should I buy only the required Illinois minimum liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

More sites with car insurance information

Additional information is located on the Illinois Department of Insurance website located here. Consumers can view agent and company licensing information, learn about insurance regulations, and discover disciplinary actions.

Additional helpful sites include Wikipedia and this page where you can research Jerseyville insurance agents.