Tightwads Tips for Saving on Medora Car Insurance

Having to pay for overpriced car insurance can drain your bank account, especially in this economy. Comparing price quotes is a great way to help make ends meet.

You have multiple to buy insurance from, and although it's nice to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons quite often since rates are constantly changing. Just because 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 the proper way to lower your rates without sacrificing coverage.

The purpose of this post is to help you learn how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Nevertheless, Illinois car owners do need to know how companies sell insurance online and apply this information to your search.

Medora car insurance quote

Be sure to get all your discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but a few need to be asked for prior to receiving the credit.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • New Car Discount - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Accident Waiver - Certain companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Defensive Driver - Taking part in a driver safety course could cut 5% off your bill depending on where you live.
  • 55 and Retired - Older drivers may qualify for reduced rates.

It's important to understand that some credits don't apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of providers offering car insurance discounts in Illinois, click here.

Free Quotes for Car Insurance in Medora, Illinois

There are several ways to compare car insurance quotes, but some are easier and takes less work. You can waste hours talking to insurance companies in Medora, or you could save time and use the web to achieve your goal.

Most car insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company can give them a price for coverage. This prevents consumers from doing quote forms to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you cannot specify the companies you want to price. So if you want to choose specific insurance companies to compare rates, we have a listing of car insurance companies in Illinois. Click here for list of insurance companies in Illinois.

Whichever method you choose, make darn sure you compare identical coverages and limits for every quote you compare. If you use different deductibles it's not possible to determine the best price in Medora. Slightly different coverage limits can mean a large discrepancy in price. And when comparison shopping, more quotes helps locate a lower rate.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from an agent's advice.

  • Do I need PIP (personal injury protection) coverage in Illinois?
  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Do I really need UM/UIM coverage?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

The best insurance company isn't always the cheapest

As you prepare to switch companies, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

You just learned a lot of ways to get a better price on car insurance. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the most savings is with the least-expected company. These companies can often provide lower rates in certain areas compared to the large companies like .

Low-cost car insurance is available from both online companies and with local Medora insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.