How to Know You're Spending Too Much for Car Insurance in Joliet

Scraping up a payment for overpriced car insurance can dwindle your savings account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates.

Locating the cheapest protection in Joliet can be fairly easy. Essentially anyone who is required by state law to have car insurance will most likely be able to cut their insurance bill. But Illinois consumers do need to know how big insurance companies price insurance differently.

How to Get Cheap Car Insurance in Joliet, IL

Effectively comparing car insurance prices can take time and effort if you aren't aware of the most efficient way. You can spend countless hours talking about coverages with local insurance agents in Joliet, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies enroll in a system that enables customers to enter their policy data once, and every company returns a competitive quote based on the submitted data. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is that consumers can't choose the providers to get quotes from. If you wish to select specific providers to request quotes from, we have a page of the cheapest car insurance companies in Illinois. Click to view list.

It's up to you which method you use, but make sure you use identical information with each company. If each company quotes higher or lower deductibles it will be very difficult to make an equal comparison in Joliet. Quoting even small variations in insurance coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes helps locate the best price.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

Government Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
Distant Student - Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Own a Home - Simply owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Drivers Education - Have your child successfully complete driver's ed class if it's offered in school.
Multiple Vehicles - Having multiple vehicles on the same car insurance policy qualifies for this discount.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like it's possible to get free car insurance, companies don't profit that way. But all discounts will bring down your premiums.

To see a list of insurance companies who offer car insurance discounts in Illinois, click here to view.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need professional guidance.

Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in Illinois?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Joliet?
Does my policy cover my teen driver if they drive my company car?
Who is covered when they drive my vehicle?

If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Much more information about car insurance in Illinois can be read on the website for the Illinois Department of Insurance. Click here for link. Visitors are able to download brochures, view agent and company licensing information, file complaints about an insurance agent or broker, and get help finding coverage.