Free Guide to Saving Money on Kildeer Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, many Kildeer consumers feel financially strained by their auto insurance policy.

With so many choices, it's nearly impossible to locate the most cost effective car insurance company.

It's important to do rate comparisons every six months since insurance rates are constantly changing. Just because you found the lowest price on your last policy you will most likely find a better rate today. Ignore everything you know about auto insurance because you're about to learn the quickest way to find the best coverage while lowering your premiums.

Save big with these discounts

Car insurance can cost a lot, but you may find discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be inquired about before you get the savings.

  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Clubs and Organizations - Affiliation with a professional or civic organization could qualify you for a break on your policy.
  • Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.

It's important to note that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will help reduce your overall premium however.

Illinois auto insurance

Auto insurance ads bend the truth

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads say the same thing that you can save if you change to them. But how can every company say the same thing? This is how they do it.

All companies are able to cherry pick for the type of driver that earns them a profit. For instance, a preferred risk might be profiled as between 25 and 40, has no driving citations, and has great credit. A propective insured who fits that profile is entitled to the best price and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be charged a higher premium which usually ends up with business not being written. Company advertisements say "drivers who switch" not "people who quote" save money. That's the way insurance companies can advertise the savings.

That is why you should compare as many rates as you can. It's not possible to predict which auto insurance company will fit your personal profile best.

Learn more about Illinois auto insurance

More information is located on the website for the Illinois Department of Insurance. Click here for link. Illinois drivers can file complaints about a company, find out which companies have the most complaints, report car insurance fraud, and read consumer alerts.

Also read more on NAIC.org's Understanding your Policy and this directory of insurance agents in Kildeer Illinois.

Affordable insurance is out there

In this article, we covered a lot of tips how to reduce auto insurance prices online. It's most important to understand that the more you quote, the better your chances of lowering your rates. Drivers may discover the most savings is with a smaller regional carrier. Regional companies often have lower prices on specific markets than their larger competitors like .

Lower-priced auto insurance can be sourced on the web and with local Kildeer insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.