Consumer Tested Strategies to Save on Mt Prospect Car Insurance
No one enjoys paying for car insurance, especially when they are paying too much. Because you have many online and local companies to choose from, it can be hard to pick the lowest price provider.
Vehicle Insurance Comparison
Performing a rate comparison can be a lot of work if you aren't aware of the most efficient way to do it. You can spend countless hours driving to local insurance agents in Mt Prospect, or you could save time and use the internet for quick rates.
The majority of car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company provides a quote for coverage. This prevents consumers from doing 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 using this type of system is you don't know exactly the providers to get pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of car insurance companies in Illinois. Click here to view list.
Whichever method you choose, be sure to compare apples-to-apples coverage limits on every quote. If you use differing limits it will be impossible to make a fair comparison in Mt Prospect.
Don't pay full price with these discounts
Companies don't always advertise all available discounts very well, so here is a list some of the more common as well as the least known discounts you could be receiving. If you don't get every credit you qualify for, you're paying more than you need to.
- Safety Course Discount - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
- Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
- Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
- Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
- Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Keep in mind that some credits don't apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it just doesn't work that way.
To see a list of insurers with discount car insurance rates in Illinois, click here.
Your personal situation dictates your coverage
When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone's needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight whether or not you may require specific advice.
- Should I have combined single limit or split liability limits?
- Can I rate high risk drivers on liability-only vehicles?
- Does my car insurance cover rental cars?
- Am I covered when pulling a rental trailer?
- Do I need special endorsements for business use of my vehicle?
- I have good health insurance, so how much medical payments coverage do I need?
If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Additional Illinois consumer information
Additional detailed information is available at the Illinois Department of Insurance website. Consumers can discover disciplinary actions, file complaints about a company, learn about specific coverages, and view a list of available companies.
Additional helpful sites include this resource for Illinois car insurance prices and this link which helps you find a Mt Prospect agent.
