Buy Cheap Monticello Car Insurance

Having to pay for overpriced car insurance can empty your personal savings and put the squeeze on your family's finances. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

There are many to buy insurance from, and although it's a good thing to be able to choose, it makes it harder to compare rates.

Finding affordable coverage in Monticello is not that difficult. In a nutshell, anyone who carries car insurance stands a good chance to be able to lower their premiums. Although Illinois car owners do need to know the way insurance companies sell online.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that play a part in calculating your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to lower car insurance prices.

  • Do you work long hours in a high stress job? - Careers like real estate brokers, business owners and financial analysts tend to pay higher average rates because of high stress levels and lengthy work days. Conversely, occupations like pilots, engineers and retirees have the lowest average rates.
  • With age comes lower rates - Young drivers in Illinois have a tendency to be careless and easily distracted when driving so they pay higher car insurance rates. If you've ever had to add a teenage driver to your policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • Don't skimp on liability - Your policy's liability coverage is the protection when you are found to be at fault for damages from an accident. It provides you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Males pay more for insurance - Statistics have proven that women are safer drivers than men. Now that doesn't mean women are better drivers. Women and men have accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • More performance means more cost - The performance of the car you are buying insurance for makes a big difference in determining your rates. The lowest rates are generally reserved for lower performance four cylinder passenger cars, but there are many factors that impact the final cost.

How much can you save with discounts?

Companies don't always advertise every discount very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • Government Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
  • 55 and Retired - If you're over the age of 55, you may receive reduced rates.
  • Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Accident Free - Drivers who don't have accidents pay less when compared to accident-prone drivers.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

To choose insurance companies with discount car insurance rates in Illinois, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all make an identical promise about savings if you change to them. How does each company make the same claim?

All companies have a preferred profile for the type of driver that makes them money. A good example of a driver they prefer could be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be quoted a higher premium and ends up with business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save money. This is how companies can truthfully advertise the way they do. This emphasizes why you should compare many company's rates. Because you never know which insurance companies will provide you with the cheapest rates.

How much car insurance do I need?

When buying coverage for your personal vehicles, there isn't really a best way to insure your cars. Everyone's needs are different so your insurance should reflect that For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Even more information can be read at the Illinois Department of Insurance website. Consumers can read industry bulletins, read enforcement actions against agents and companies, find out which companies have the most complaints, and learn about insurance regulations.

Monticello car insurance comparison

Shop smart and save

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are too many instances where drivers have reduced collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

The cheapest car insurance can be sourced from both online companies and with local Monticello insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer online price quotes and these small insurance companies work with independent agents.