Free Guide to Cutting Costs on Lemont Car Insurance Online

Having to pay for overpriced car insurance can take a big chunk out of your checking account, especially in this economy. Comparison shopping is a smart way to lower your monthly bill. Because there are so many options when it comes to car insurance, it can be hard to choose the right car insurance company.

It's important to compare prices quite often due to the fact that insurance rates are constantly changing. Just because you had the best rates on your last policy you may be paying too much now. You can find a lot of misleading information regarding car insurance on the web, but I'm going to show you some great ways to slash your car insurance rates.

Finding the best rates in Lemont is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. Illinois consumers only need to know the proper methods to buy car insurance online.

Free Lemont Car Insurance Quotes

Most major insurance companies provide coverage prices on their websites. Obtaining pricing is quite simple as you just type in your coverage information as detailed in the form. Behind the scenes, the system will obtain your driving record and credit report and returns a price. This helps simplify price comparisons, but having to visit multiple sites and enter the same data into a form gets old quite quickly. But it's very important to perform this step if you want to find the best price on car insurance.

Quote rates the easy way

A less time-consuming method to locate the lowest prices makes use of a single form that gets price quotes from many companies. The form is fast, requires less work, and makes online price comparison a little more enjoyable. After sending your information, it gets priced and you can choose any or none of the returned quotes. If you find a better price it's easy to complete the application and buy the policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

In order to find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you input deductibles and limits as close as possible to your current policy. This way, you're receiving a rate comparison based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Older drivers save more - Youthful drivers in Illinois are statistically proven to be more careless when driving so car insurance rates are higher. If you've ever had to add a teenage driver to your car insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
Bad driving skills means higher rates - Careful drivers get better rates than bad drivers. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
Marriage brings a discount - Getting married can actually save you money when buying car insurance. It means you're more responsible and statistics show married drivers get in fewer accidents.
Keep rates low by being claim-free - If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Car insurance companies in Illinois provide discounts to insureds who are claim-free. Your insurance policy is intended for the bigger claims that can't be paid out-of-pocket.
The type of vehicle makes a difference - The performance of the car you own makes a huge difference in how high your rates are. The lowest base rates are generally reserved for lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise all their discounts very well, so the following is a list of both the well known and also the lesser-known car insurance savings. If you don't get every credit you deserve, you're just leaving money on the table.

College Student - Children living away from home attending college and do not have a car can be insured at a reduced rate.
Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
Early Signing - Some companies give discounts for buying a policy before your current policy expires. This can save 10% or more.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
Accident Waiver - Some insurance companies allow you one accident without raising rates as long as you don't have any claims for a set time period.
Government Employees - Simply working for the federal government could cut as much as 10% off with select insurance companies.
Good Student Discount - Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

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

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you might need professional guidance.

Why does it cost so much to insure a teen driver in Lemont?
Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Illinois?
I have good health insurance, so how much medical payments coverage do I need?
Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Illinois?
Am I covered by my employer's commercial auto policy when driving my personal car for business?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and you can get the answers you need.

Even more information can be read at the Illinois Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, get help finding coverage, and download brochures.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Lemont.

And the best car insurance company is...

When you buy insurance online, do not reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best price.

We just presented a lot of information how to lower your car insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as .

The cheapest car insurance is available both online and also from your neighborhood Lemont agents, so compare prices from both to get a complete price analysis. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.