Liberty Car Insurance For Less Than You're Paying Now

Beginners to shopping for insurance online might discover finding the lowest-priced Liberty car insurance is harder than they anticipated.

Finding the best rates in Liberty is easy if you know what you're doing. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. But Illinois car owners do need to know the methods companies use to sell online because it can help you find the best coverage.

compare Liberty car insurance rates

Car Insurance Comparison Rates in Liberty, IL

Most companies like State Farm, Allstate and GEICO give insurance quotes on their websites. The process doesn't take much effort as you simply type in your personal and coverage information as detailed in the form. When the form is submitted, their rating system will obtain credit information and your driving record and provides a quote based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but the work required to visit many different websites and complete many quote forms is monotonous and tiresome. But it's very important to have as many quotes as possible in order to get the best price on car insurance.

A quicker way to compare rates utilizes a single form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much easier. After sending your information, your coverage is rated and you can select any one of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

If you want to find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you input the limits and deductibles just like they are on your policy. This ensures you will have rate quotes for similar insurance coverage.

Are you getting all your discounts?

Companies don't necessarily list every discount very clearly, so we researched some of the more common and the more hidden car insurance savings.

  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Paperwork-free - A few companies will give a small break for buying a policy and signing up over the internet.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Air Bag Discount - Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Use Seat Belts - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
  • Memberships - Belonging to a qualifying organization could qualify you for a break when shopping for car insurance.
  • No Claims - Good drivers with no accidents pay much less when compared to bad drivers.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

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

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's needs are different.

For instance, these questions may help highlight whether you could use an agent's help.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Does medical payments coverage apply to all occupants?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Additional Illinois consumer information

More detailed Illinois car insurance information is located at the Illinois Department of Insurance website. Consumers can find disaster information, file complaints about a company, and get help finding coverage.