Car Insurance in New Windsor Illinois - 6 Discounts You Might be Losing Out On

Buying affordable New Windsor car insurance over the internet can be intimidating for beginners to buying insurance online. Since there are so many insurers available, how can you have a chance to compare every one to find the best available price?

These six discounts can lower your rates

Companies offering auto insurance don't always advertise all available discounts very clearly, so we break down some of the more common and also the lesser-known savings tricks you should be using. If you're not getting every credit you deserve, you are throwing money away.

  • Multi-car Discount - Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Auto/Home Discount - If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Government Employees - Active or retired federal employment can save as much as 8% depending on your company.
  • 55 and Retired - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

It's important to note that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you're out of luck.

Different people need different coverages

When it comes to buying adequate coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's.

For instance, these questions can help discover whether you would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Why does it cost so much to insure a teen driver in New Windsor?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise that you can save if you switch your policy.

How does each company make the same claim? It's all in the numbers.

All companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could be a mature driver, has no prior claims, and has great credit. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards must pay a more expensive rate and ends up with business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can advertise the savings. This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Illinois

Additional detailed information can be found at the Illinois Department of Insurance website. Consumers can report car insurance fraud, view agent and company licensing information, and find out industry alerts.

Also read more on this page for Illinois car insurance and this page for help finding agents in New Windsor, IL.

Illinois car insurance quotes

A tidy conclusion

Lower-priced car insurance can be found from both online companies in addition to many New Windsor insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't skimp on coverage in order to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

People switch companies for a variety of reasons including lack of trust in their agent, policy non-renewal, policy cancellation and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.