Oak Lawn Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the crazy number of auto insurance options in Oak Lawn? Many other drivers are as well. You have so many choices that it can turn into a big hassle to find lower rates.

This article will tell you how to effectively get price quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Although Illinois vehicle owners do need to know the way insurance companies determine prices and apply this information to your search.

How to Compare Oak Lawn Auto Insurance Costs

The are a couple different ways to compare rate quotes from auto insurance companies in your area. The best method to find the lowest rates is to perform an online rate comparison. This can be done using a couple different methods.

The recommended way consumers can analyze rates is a comparison rater form click here to open form in new window. This method saves time by eliminating multiple quote forms for every auto insurance company. Completing one form will return price quotes from multiple low-cost companies. Just one form and you're done.
A harder way to shop for auto insurance online consists of visiting the website for every company you want to comare to complete a price quote. For sake of this example, we'll assume you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Oak Lawn, click here.

Whichever way you use, compare apples-to-apples deductibles and coverage limits for every company. If you enter different values for each quote it's not possible to decipher which rate is best in Oak Lawn. Just a small difference in coverages could mean much higher rates. Just keep in mind that having more price comparisons gives you a better chance of getting better pricing.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied at quote time, but less common discounts must be specially asked for in order for you to get them.

Fewer Miles Equal More Savings - Keeping the miles down can earn lower rates on the low mileage vehicles.
Military Discounts - Having a deployed family member can result in better rates.
Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% depending on your company.
Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
Student in College - Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
No Charge for an Accident - Some insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims prior to the accident.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurers with the best auto insurance discounts in Illinois, follow this link.

Find out more about auto insurance

Additional information can be found on the Illinois Department of Insurance website located here. Illinois drivers can find disaster information, find out industry alerts, and find a variety of consumer forms.

Additional helpful sites include this resource for Illinois auto insurance prices and this page of Oak Lawn insurance agents.