8 Guaranteed Tricks to Reduce Car Insurance Costs in Nauvoo, IL

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, many Nauvoo consumers feel financially strained by their car insurance policy.

Big companies like GEICO and Progressive continually hit you with TV and radio ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Buying car insurance in Nauvoo is not that difficult. Although Illinois consumers do need to know the way companies sell online.

Comprehensive Nauvoo Car Insurance Comparison Quotes

There are several ways to get quotes from car insurance companies in your area. The best method to find the lowest rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The recommended way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate quotes for each company you want a rate for. Completing one form gets you price quotes instantly.
  • A more time consuming way to get quotes online requires a trip to each individual company website to complete a price quote. For example, we'll pretend you want to compare rates from , and . To get each rate you have to visit each site to input your insurance information, and that's why the first method is more popular.

    To view a list of companies in Nauvoo, click here.

It's your choice how you get your quotes, but compare exactly the same quote information with each company. If you have mixed coverages it will be very difficult to make an equal comparison in Nauvoo. Quoting even small variations in coverages could mean much higher rates. Just keep in mind that having more price comparisons will improve the odds of getting a better price.

Save big with these eight discounts

Companies offering auto insurance don't necessarily list all available discounts in a way that's easy to find, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.

  • Memberships - Being a member of a civic or occupational organization is a good way to get lower rates when buying car insurance.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
  • Seat Belts Save - Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • No Claims - Drivers with accident-free driving histories pay less when compared with bad drivers.
  • Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.

A little note about advertised discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky.

To see a list of insurers with discount car insurance rates in Nauvoo, click here to view.

Find out more about car insurance

Even more information can be read at the Illinois Department of Insurance website. Visitors are able to find out which companies have the most complaints, find disaster information, download brochures, and find a variety of consumer forms.