How to Know You're Paying Too Much for Car Insurance in Marseilles

No one in their right mind likes having to buy car insurance, especially when the cost is way too high.

Drivers have multiple to pick from, and although it's nice to have a choice, it can be more challenging to compare rates.

It's important to compare prices periodically because rates are constantly changing. If you had the best price last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate one of the easiest ways to properly buy coverages while reducing your premium.

More discounts equal less premium

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but less common discounts must be asked for in order for you to get them.

Accident Forgiveness - Certain companies allow you one accident without raising rates as long as you don't have any claims for a set time period.
Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
Bundle and Save - When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
Good Student - Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
Sign Online - A few companies will give a small break for buying your policy over the internet.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

For a list of companies with the best car insurance discounts in Illinois, click here to view.

Marseilles Car Insurance Comparisons

Most major insurance companies like State Farm, GEICO and Progressive provide coverage prices on their websites. The process is quite simple as you just type in your personal and coverage information into the quote form. Once entered, their rating system will obtain information on your driving record and credit history and provides a quote based on many factors. This helps simplify price comparisons, but the work required to visit different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A more efficient way to compare rates utilizes a single form that gets price quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes price shopping online much easier. After sending your information, it gets priced and you are able to buy any one of the quotes that you receive.

If you find a better price you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

If you want to find out how much you're overpaying now, click here and input your coverage information. If you currently have coverage, we recommend you type in identical to your current policy. This helps ensure you will get a price comparison based on identical coverages.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that may help highlight if you will benefit from professional help.

Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
Are my tools covered if they get stolen from my vehicle?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Illinois?
Does my liability insurance cover pulling a trailer or camper?

If you're not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Final considerations

Cheap car insurance is possible from both online companies and also from your neighborhood Marseilles agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you many tips how you can get a better price on car insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from a small mutual company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as .