9 Shopping Tips Shown to Slash the Cost of Car Insurance Costs in Mokena, IL

Have you had enough of being strong-armed each month for car insurance? Your situation is no different than many other drivers in Illinois.

Consumers have many to pick from, and although it's a good thing to have a selection, it can be more difficult to compare rates.

It's important to compare rates once or twice a year since rates are constantly changing. If you had the best deal last year you can probably find a lower rate today. So just forget all the misinformation about car insurance because we're going to show you the only way to properly buy coverages and cut your premium.

Choosing the best insurance company for you in Mokena is not that difficult. Essentially every vehicle owner who carries car insurance will be able to lower their premiums. Although Illinois car owners do need to know the way insurance companies market on the web and take advantage of how the system works.

Mokena car insurance comparison

Compare the Market for Car Insurance in Mokena

Shopping for lower car insurance rates can be challenging if you aren't aware of the most efficient way to do it. You can spend countless hours driving to insurance agencies in Mokena, or you can stay home and use the web to get prices fast.

The majority of car insurance companies belong to an insurance system that enables customers to submit one quote, and at least one company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you are unable to specify the providers to receive prices from. So if you want to select from a list of companies to compare, we put together a list of the cheapest car insurance companies in Illinois. View list of Illinois insurance companies.

It doesn't matter which method you choose, just double check that you are using identical coverages for each comparison quote. If you use different limits and deductibles on each one it will be very difficult to determine the lowest rate in Mokena. Having just a slight variation in coverages may result in a large different in cost. It's important to know that getting more free quotes helps you find lower pricing.

Don't pay full price with these nine discounts

Companies that sell car insurance don't always list all their discounts very clearly, so here is a list some of the more common and the harder-to-find ways to save on car insurance.

  • 55 and Retired - Mature drivers can possibly qualify for better car insurance rates.
  • Drivers Education - Have your child complete a driver education course in high school.
  • Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Sign Online - A few companies will give a small break for buying your policy over the internet.
  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy qualifies for this discount.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies with the best car insurance discounts in Illinois, click this link.

More Illinois car insurance information

Even more information is available at the Illinois Department of Insurance website. Consumers can learn about insurance regulations, download brochures, view agent and company licensing information, and file complaints about an insurance agent or broker.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Mokena.