Top 6 Ways to Pay Less on Car Insurance in Manteno

If you've never shopped for car insurance online, it's easy to get confused because of the huge number of car insurance companies selling insurance in Manteno.

It's important to check car insurance prices periodically since rates are constantly changing. Even if you think you had the best deal six months ago there may be better deals available now. So forget anything you know (or think you know) about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Illinois car insurance

More discounts equal less premium

Car insurance companies do not list every available discount in an easy-to-find place, so here is a list both the well known as well as the least known ways to save on car insurance.

  • Discount for Swiching Early - Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Low Mileage - Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Safety Course Discount - Completing a defensive driving course can save you 5% or more depending on where you live.
  • Multi-policy Discount - When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Federal Employees - Simply working for the federal government can save as much as 8% with certain companies.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like it's possible to get free car insurance, car insurance companies aren't that generous.

For a list of providers with discount car insurance rates in Manteno, click this link.

How to Get Manteno Car Insurance Comparison Quotes

Most major insurance companies such as State Farm and Allstate provide prices for coverage online. Getting quotes is fairly straightforward as you simply enter your personal and coverage information into the quote form. Once entered, the system will obtain credit information and your driving record and provides a quote based on many factors.

Online price quotes makes comparing rates easy, but the work required to visit different websites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

A more efficient way to compare rates is to use a quote form that analyzes rates from a lot of companies. It's a real time-saver, eliminates form submissions, and makes rate comparisons much easier. Once the form is submitted, it gets priced with multiple companies and you can pick any of the quotes that you receive. If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and fill out the form. If you have a policy now, it's recommended you enter the limits and deductibles identical to your current policy. This helps ensure you will have an apples-to-apples comparison based on identical coverages.

It's not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there is no "best" method to buy coverage. Everyone's situation is a little different.

Here are some questions about coverages that may help highlight if you could use an agent's help.

  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Shop smart and save

We just covered many ideas to get a better price on car insurance. It's most important to understand that the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with some of the lesser-known companies.

Cheap car insurance is attainable both online and with local Manteno insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.