Car Insurance in Macomb - 5 Discounts You Might be Forgetting

Buying the lowest cost Macomb car insurance on the internet can seem to be impossible for people who are new to price shopping online. With so many choices of online companies, how can consumers even start to compare them all to find the best price?

It's important to shop coverage around on a regular basis since rates are constantly changing. Even if you got the best deal a year ago the chances are good that you can find a lower rate today. So just ignore everything you know about car insurance because we're going to show you the proper way to find better rates and still maintain coverage.

Buying affordable coverage in Macomb is simple if you know the tricks. If you have insurance now or are looking for a new policy, you can follow these tips to find the best rates while maintaining coverages. Illinois drivers only need an understanding of the most effective way to compare rates online.

Policy discounts you shouldn't miss

Car insurance can cost a lot, 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 some must be specifically requested before you get the savings. If you don't get every credit you deserve, you're paying more than you need to.

Good Student Discount - A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
Accident Waiver - Some insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Discount for Life Insurance - Larger companies have a break if you buy life insurance from them.
Early Signing - A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.

It's important to understand that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of providers offering car insurance discounts in Illinois, follow this link.

Car Insurance Prices in Macomb, Illinois

Finding cheaper car insurance prices is surprisingly easy. Consumers just need to spend a few minutes comparing rates from different insurance companies. This can be accomplished in several different ways.

The best way to find low rates is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form submissions for each company. One form submission compares rates from multiple companies. Just one form and you're done.
A more time consuming way to shop for car insurance online is going to each company website to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . You would have to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Macomb, click here.
The least efficient way to compare rates is driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. You can, however, obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples coverage limits and deductibles on every quote you get. If you have different liability limits it will be impossible to determine which rate is truly the best in Macomb.

Save $429 a year? Really?

Consumers in Illinois can't get away from ads for car insurance savings from the likes of State Farm and Allstate. All the ads say the same thing of big savings if you switch your coverage to them.

But how can every company claim to save you money?

Different companies have a preferred profile for the type of customer that is profitable for them. An example of a preferred risk might be a mature driver, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be charged a higher premium which usually ends up with the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently make those claims.

That is why drivers must get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

In the end, you save

We just covered a lot of tips how to compare car insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with an unexpected company.

Low-cost car insurance can be found both online as well as from independent agents in Macomb, and you need to price shop both to have the best selection. Some companies don't offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. There have been many cases where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Additional car insurance information is available on the Illinois Department of Insurance website through this link. Visitors are able to file complaints about a company, learn about insurance regulations, and find out industry alerts.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Macomb Illinois.