Comparing the Cheapest Mason City Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You are in the same boat as many other drivers in Illinois.

Big-name insurance companies like GEICO and Progressive all promote huge savings with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons once or twice a year since insurance rates are constantly changing. If you had the lowest price a year ago there may be better deals available now. You'll find quite a bit of inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to stop overpaying for insurance.

If you have car insurance now, you will be able to cut costs considerably using these methods. Buying car insurance in Mason City is easy if you know what you're doing. But Illinois vehicle owners do need to know how big insurance companies determine prices because it can help you find the best coverage.

Mason City auto insurance comparison

Take advantage of discounts

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • Senior Discount - Older drivers can possibly qualify for reduced rates.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Drive Less and Save - Keeping the miles down could be rewarded with a substantially lower rate.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Passive Restraints - Factory air bags can qualify for discounts of more than 20%.
  • Military Rewards - Being deployed with a military unit can result in better rates.

Consumers should know that some credits don't apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

For a list of companies with the best auto insurance discounts in Mason City, click here.

Comprehensive Auto Insurance Comparison in Mason City

There are several ways to compare rate quotes and find the best price. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

One of the best ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form keeps you from doing repetitive form submissions for every auto insurance company. Taking the time to complete one form will return price quotes from multiple companies.

A harder way to compare rate quotes consists of visiting each company's website and complete a new quote form. For example, we'll pretend you want rates from , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Mason City, click here.

Whichever method you choose, double check that you are using exactly the same deductibles and coverage limits on every quote. If you compare different values for each quote then you won't be able to make a fair comparison in Mason City. Slightly different insurance coverages can mean a large discrepancy in price. It's important to know that more quotes will improve the odds of getting better pricing.

Do the work, save more money

While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped collision coverage and learned later they didn't purchase enough coverage. Your aim should be to purchase plenty of coverage at the best price.

Discount auto insurance is possible on the web and with local Mason City insurance agents, so compare prices from both to get a complete price analysis. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.