How to Get Cheap Marine Car Insurance

Price shopping your Marine car insurance is hard for consumers new to buying insurance online. You have so many choices that it can turn into more work than you anticipated to locate the lowest price in Marine.

Finding the best rates in Marine is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Although Illinois consumers do need to know the way companies sell online and use this information to your advantage.

These discounts can lower your rates

Companies that sell car insurance don't list every discount very clearly, so we break down both the well known and the more hidden car insurance savings.

  • Use Seat Belts - Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • No Claims - Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • One Accident Forgiven - Certain companies permit an accident before your rates go up if your claims history is clear for a set time period.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky.

Are you falling for claims of savings?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all say the same thing about savings if you change your policy. How does each company claim to save you money?

Insurance companies can use profiling for the right customer that earns them a profit. For example, a driver they prefer might be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who fits that profile will get the preferred rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be quoted higher prices which usually ends up with the customer not buying. The ads state "people who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully advertise the way they do. This emphasizes why you should get quotes from several different companies. You cannot predict the company that will provide you with the cheapest rates.

Learn more today

Even more information can be found at the Illinois Department of Insurance website. Visitors are able to find a variety of consumer forms, read industry bulletins, and report car insurance fraud.

Also read more on this site for car insurance information in Illinois and this list of agents in Marine, IL.

Final considerations

Consumers leave their current company for many reasons like being labeled a high risk driver, high rates after DUI convictions, lack of trust in their agent and even delays in paying claims. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.

The cheapest car insurance can be sourced both online in addition to many Marine insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

When shopping online for car insurance, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.