6 Top Tricks to Lower Car Insurance Costs in Mendota

Shopping for the lowest cost Mendota car insurance online is rather challenging for beginners to buying insurance on the web. Because there are so many companies competing online, how can you even start to compare every one to find the cheapest rates?

It's important to get comparison quotes yearly since rates are constantly changing. Just because you found the lowest rates a couple years back you will most likely find a better rate today. Starting right now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to save on car insurance.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings.

  • College Student - Youth drivers who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance from them.
  • Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount on car insurance.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • No Claims - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

Mendota car insurance comparison

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different.

For example, these questions can help discover whether your personal situation might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Do I qualify for additional discounts?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Save $429 a year? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim about savings if you change your policy. How can each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured might be between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay a more expensive rate and this can result in the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the way they do.

Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Additional information can be found on the Illinois Department of Insurance website. Click here for link. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Illinois car insurance quotes

Final considerations

As you go through the steps to switch your coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that the savings was not a smart move. Your aim should be to buy enough coverage for the lowest price.

Cheaper car insurance can be sourced both online in addition to many Mendota insurance agents, so compare prices from both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers leave their current company for any number of reasons including not issuing a premium refund, delays in paying claims, questionable increases in premium and even high rates after DUI convictions. No matter why you want to switch, switching car insurance companies is less work than it seems.