Comparison Shop Lincolnwood Auto Insurance Prices With These Methods

Buying affordable Lincolnwood auto insurance on the internet may be difficult for consumers new to comparison shopping online. With so many choices, how can you possibly compare the different rates to find the lowest price?

It's important to price shop coverage on a regular basis because prices are constantly changing. Even if you got the best price last year there may be better deals available now. Ignore everything you know about auto insurance because you're about to find out the only way to get good coverage at a lower rate.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. This information will help educate you on how to effectively get price quotes and some tips to save money. But Illinois drivers do need to know the way insurance companies price online insurance and apply this information to your search.

Lincolnwood auto insurance quote

Save big with these discounts

Car insurance is not cheap, buy you may qualify for discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for prior to getting the savings.

  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Accident Waiver - A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Payment Discounts - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class in school.
  • Resident Student - Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Own a Home - Being a homeowner may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Save over 55 - Older drivers may qualify for a discount up to 10%.
  • Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Early Signing - Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.

Consumers should know that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way. But all discounts will reduce your overall premium however.

For a list of providers offering auto insurance discounts in Lincolnwood, follow this link.

Lincolnwood Auto Insurance Prices Online

There are several ways of comparing price quotes from local Lincolnwood auto insurance companies. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in a couple of different ways.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate forms for each company you want a rate for. One form submission compares rates from several companies. It's the fastest way to compare.

A more difficult way to get quotes online is going to the website for each individual company to complete their respective quote request forms. For examples sake, we'll assume you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. To view a list of companies in Lincolnwood, click here.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits and deductibles on every quote you get. If you use different liability limits it will be impossible to determine which rate is truly the best in Lincolnwood. Just a small difference in insurance coverages may result in large price differences. Just remember that comparing more company's prices will increase your chances of finding the best rates.

Affordable insurance is out there

As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Discount auto insurance can be found online in addition to many Lincolnwood insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Consumers switch companies for a number of reasons such as policy cancellation, denial of a claim, policy non-renewal and extreme rates for teen drivers. Whatever your reason, choosing a new insurance company is not as hard as you think.