9 Tips to Save on Car Insurance in Kincaid Illinois

Tired of not being able to afford each month for car insurance? Your situation is no different than many other Illinois consumers.

You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

Comprehensive Car Insurance Comparison in Kincaid

There are several ways to compare rate quotes and find the best price. The recommended way to find the cheapest insurance rates consists of shopping online. This can be accomplished using a couple different methods.

The first (and easiest) way to find low rates is to use a rate comparison form click to view form in new window. This method keeps you from doing separate quotation requests for every car insurance company. Taking the time to complete one form will get you rate comparisons from car insurance companies with the best prices.

A different way to get quotes online requires you to visit the website of each company and complete a new quote form. For example, let's assume you want rates from , and . To get rate quotes you would need to visit each site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Kincaid, click here.

It doesn't matter which method you choose, just double check that you are using identical coverage information on every quote. If you have unequal deductibles or liability limits you will not be able to make a fair comparison in Kincaid. Just a small difference in coverages may result in large price differences. It's important to know that comparing more company's prices helps locate the best offered rates.

compare Kincaid car insurance rates

Save big with these nine discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be asked for before they will apply.

  • Drivers Education - Require your teen driver to successfully complete driver's ed class if it's offered in school.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Distant Student - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Club Memberships - Belonging to a qualifying organization could qualify you for a break when shopping for car insurance.
  • Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
  • Passive Restraints and Air Bags - Cars that have air bags may earn rate discounts of 20% or more.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

For a list of insurance companies who offer car insurance discounts in Illinois, follow this link.

Additional information is located on the website for the Illinois Department of Insurance. Click here for link. Consumers can download brochures, view a list of available companies, read enforcement actions against agents and companies, and read consumer alerts.

compare Kincaid car insurance rates

The best insurance company isn't always the cheapest

When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There have been many situations where an insured dropped liability coverage limits only to discover later that it was a big mistake. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

Cheap car insurance can be bought from both online companies as well as from independent agents in Kincaid, so you should be comparing quotes from both to get a complete price analysis. A few companies don't offer online quoting and these small, regional companies work with independent agents.