5 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Newton, IL

Are you intimidated by the number of car insurance companies in Newton? Many other drivers are as well. There are so many companies to choose from that it can turn into a big hassle to find lower rates.

It's important to compare rates every six months since rates are constantly changing. If you had the best deal a few years ago there may be better deals available now. So just block out anything you think you know about car insurance because we're going to show you the proper way to properly buy coverages and cut your premium.

Don't pay full price with these 5 discounts

Companies don't list all their discounts very well, so here is a list some of the more common as well as the least known savings tricks you should be using.

  • Sign Online - A handful of insurance companies will give a small break for buying your policy online.
  • Club Memberships - Belonging to a professional or civic organization is a good way to get lower rates on car insurance.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount with select insurance companies.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.

For a list of companies with the best car insurance discounts in Illinois, click here to view.

How to Compare Car Insurance in Newton, Illinois

Shopping for lower car insurance rates can take time and effort if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Newton, or you could save time and use online quoting for quick rates.

Most car insurance companies belong to an insurance system that enables customers to send in one quote, and each company then gives them pricing for coverage. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to pricing coverage this way is you are unable to specify the companies you want pricing from. If you prefer to choose specific insurance companies to compare, we put together a list of car insurance companies in Illinois. View list of Illinois insurance companies.

It's up to you which method you use, but ensure you are comparing apples-to-apples coverages with every price quote. If you use different limits and deductibles on each one it will be impossible to find the best deal in Newton. Quoting even small variations in coverages may result in a large different in cost. Just remember that getting more free quotes gives you a better chance of getting lower pricing.

Shop smart and save

Cheaper car insurance is definitely available from both online companies and also from your neighborhood Newton agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these smaller companies sell through independent agents.

People who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, extreme rates for teen drivers and high prices. Regardless of your reason, choosing a new insurance company is not as hard as you think.

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at a price you can afford.