Consumer Tested Strategies to Save on Kankakee Car Insurance

I can't think of anyone who likes paying for car insurance, especially when they are paying too much. Multiple compete for your business, and it can be difficult to compare rates to get the lowest rate

If you have a current car insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Finding the best rates in Kankakee is easy if you know what you're doing. Illinois vehicle owners just need to know how to shop for car insurance over the internet.

These discounts can lower your rates

Companies offering auto insurance don't always advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find car insurance savings. If they aren't giving you every credit you qualify for, you are throwing money away.

Multiple Vehicles - Buying coverage for multiple vehicles on one policy qualifies for this discount.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Paperless Signup - A few companies will give a small break for buying a policy and signing up on their website.
Driver Safety - Successfully completing a driver safety course can save you 5% or more if you qualify.
Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance.
Homeowners Savings - Owning a home in Kankakee may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
No Claims - Good drivers with no accidents pay less when compared with drivers who are more careless.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that help determine your car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

The following are some of the items that factor into premiums.

Lower deductibles cost more - Your deductibles represent how much money you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and windstorm damage. The more expense the insured has to pay upfront, the lower your rates will be.
Multiple policies with one company can save - Many companies will award you with lower prices to policyholders who consolidate policies with them. It's known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it's in your best interest to compare other company rates to confirm you are receiving the best rates possible.
Marriage brings a discount - Getting married can get you a discount when buying car insurance. Having a spouse usually means you are more mature than a single person it has been statistically shown that married couples file fewer claims.
Little extras can really add up - There are a ton of additional coverages that you can get tricked into buying on your policy. Coverages like rental car reimbursement, accidental death and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.

Different people need different coverages

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Everyone's situation is unique and a cookie cutter policy won't apply. For instance, these questions might point out whether you could use an agent's help.

Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Does my personal policy cover me when driving my company car?
Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Are my tools covered if they get stolen from my vehicle?
What are the financial responsibility laws in Illinois?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and may give you better protection.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the companies say the same thing that you'll save big after switching your policy.

How do they all make the same claim? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that earns them a profit. A good example of a profitable customer could be over the age of 40, owns a home, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile must pay more money which usually ends up with business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. That is how companies can claim big savings. This illustrates why drivers should get a wide range of price quotes. Because you never know which company will give you the biggest savings.

For more Illinois car insurance information

More detailed Illinois car insurance information can be read at the Illinois Department of Insurance website. Consumers can report car insurance fraud, read consumer alerts, get help finding coverage, and discover disciplinary actions.

And the best car insurance company is...

Discount car insurance can be sourced from both online companies in addition to many Kankakee insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. In too many instances, an insured cut collision coverage and discovered at claim time that it was a big mistake. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

We just showed you a lot of information how to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as .