Tightwads Guide for Saving on North Riverside Car Insurance

Expensive car insurance can empty your bank account and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Insurance companies such as GEICO and Progressive constantly bombard you with TV and radio ads and it can be hard to sift through the bull and find the best price available.

How to Lower Your Car Insurance Cost in North Riverside, Illinois

There are several ways to compare quotes from local North Riverside car insurance companies. The best method to find the lowest rates involves getting comparison quotes online. This can be done in several different ways.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company. One form submission gets you coverage quotes from multiple companies.
  • Another way to compare rate quotes consists of going to each individual company website to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . You would have to visit each site to enter your coverage information, and that's why the first method is more popular. To view a list of companies in North Riverside, click here.

It's your choice how you get your quotes, but ensure you are comparing exactly the same coverages on every quote you get. If you have different limits and deductibles on each one it will be very difficult to determine which rate is truly the best in North Riverside. Quoting even small variations in limits may result in a large different in cost. Just remember that getting more free quotes will improve the odds of getting lower pricing.

Take advantage of discounts

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but less common discounts must be specifically requested prior to getting the savings.

  • More Vehicles More Savings - Insuring multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Own a Home - Owning a home in North Riverside can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Seat Belts Save - Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.

It's important to note that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, you're out of luck. But any discount will reduce your overall premium however.

To see a list of insurers with the best car insurance discounts in North Riverside, click here to view.

More information can be found on the website for the Illinois Department of Insurance. Click here for link. Consumers can find out which companies have the most complaints, report car insurance fraud, find a variety of consumer forms, and download brochures.