Top Ways to Save on Lee Center Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you're not alone. Multiple compete for your insurance dollar, so it can be very hard to choose a and get the best coverage at the lowest rate

It's important to get comparison quotes every six months because rates are constantly changing. Even if you got the best price six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

If you have a current car insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Finding affordable coverage in Lee Center is easy if you know what you're doing. Illinois vehicle owners just need to know the most efficient way to compare prices over the internet.

How much can you save with discounts?

Car insurance companies don't always advertise all their discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known car insurance savings. If they aren't giving you every credit possible, you're paying more than you need to.

55 and Retired - Mature drivers may be able to get a discount up to 10%.
Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Driver Safety - Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Passive Restraints - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Federal Government Employee - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Sign Online - A handful of insurance companies will give a small break for buying a policy and signing up on their website.
Theft Prevention System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.

Consumers should know that most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies don't profit that way.

To see a list of companies who offer car insurance discounts in Lee Center, follow this link.

How to Compare Car Insurance Quotes in Lee Center, Illinois

There are several ways to compare car insurance prices but some are easier and takes less work. You can waste a lot of time talking to agents in Lee Center, or you could use the internet to get pricing more quickly.

Many insurance companies participate in a marketplace that allows shoppers to send in one quote, and each company then gives them pricing. This eliminates the need for quote forms for each company you want a rate for.

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

The one downside to comparing rates this way is you can't choose which carriers to receive prices from. If you prefer to choose specific insurance companies for rate comparison, we have a page of companies who write car insurance in Illinois. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing the exact same information on every quote you get. If you are comparing higher or lower deductibles you can't possibly determine which rate is truly the best in Lee Center.

Understand what determines the rate you pay

An important part of buying insurance is that you know 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 may reward you with big savings.

The following are a few of the "ingredients" that factor into rates.

Mature drivers pay less - Older insureds are viewed as being more responsible, file fewer claims and are safer drivers. Young drivers are known to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, vandalism, or theft. Your deductibles are how much you are required to spend before a claim is paid by your company. The higher the amount the insured has to pay upfront, the less your car insurance will be.
Please use or commuting - Driving more miles in a year the more you will pay for car insurance. The majority of insurers rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your car insurance coverage is showing the proper vehicle usage.
Don't get talked into coverage you don't need - There are a ton of extra coverages that you can buy on your policy. Coverages like vanishing deductibles, towing coverage and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so get rid of them and save.
Clean credit earns discounts - Credit history is a big factor in calculating your car insurance rates. If your credit rating is not that good, you could pay less to insure your by repairing your credit. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit scores.
High numbers of claims are not good - If you file claims often, you can pretty much guarantee higher rates. Car insurance companies in Illinois provide better rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't get away from ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you'll save big after switching your policy.

How do they all make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured could be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can state the savings. Because of the profiling, drivers must get as many comparisons as possible. Because you never know which car insurance company will have the lowest rates.

And the best car insurance company is...

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best price.

Discount car insurance can be purchased from both online companies in addition to many Lee Center insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just showed you a lot of tips how to compare car insurance prices online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest rates come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

Learn more about Illinois car insurance

More detailed Illinois car insurance information can be found at the Illinois Department of Insurance website. Consumers can read enforcement actions against agents and companies, report car insurance fraud, file complaints about an insurance agent or broker, and discover disciplinary actions.