8 Money Saving Ideas Guaranteed to Slash the Cost of Car Insurance Costs in Park Forest, IL
Are you tired of being strong-armed each month for car insurance? You're in the same situation as many other Illinois drivers.
Having so many insurance companies to choose from, it can be impossible to find the lowest cost company.
It's important to compare prices once or twice a year since rates are constantly changing. If you had the best rates a few years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance online, so I'm going to show you some great ways to reduce your car insurance bill.
Finding affordable coverage in Park Forest is quite easy. In a nutshell, every vehicle owner who has to buy car insurance stands a good chance to be able to save money. Nevertheless, Illinois consumers do need to know how insurance companies market on the web.
Fast and Easy Park Forest Car Insurance Quotes
Shopping for lower car insurance rates can be a daunting task if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Park Forest, or you can utilize online quotes to get the quickest rates.
Most of the larger companies enroll in a system that allows shoppers to submit one quote, and each company then gives them pricing. This saves time by eliminating quote requests for each company you want a rate for.
To submit your quote information now, click here to open in new window.
The one disadvantage to getting quotes like this is you don't know exactly which providers to receive prices from. So if you want to select specific providers to receive pricing from, we have a listing of low cost car insurance companies in Illinois. View list of Illinois insurance companies.
It's your choice how you get your quotes, but double check that you are using apples-to-apples coverages for every quote you compare. If you are comparing different limits and deductibles on each one it will be impossible to determine the best price in Park Forest. Quoting even small variations in coverage limits may cause a big price difference. It's important to know that obtaining a wide range of quotes provides better odds of finding lower pricing.
How much can you save with these eight discounts?
Companies do not advertise all their discounts very well, so the following is a list of both the well known and the more hidden savings tricks you should be using.
- Senior Citizens - If you're over the age of 55, you can possibly qualify for better car insurance rates.
- Driver's Ed - Cut your cost by having your teen driver complete a driver education course in high school.
- Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
- Life Insurance - Larger companies have a break if you buy a life insurance policy as well.
- Homeowners Pay Less - Owning a house in Park Forest can help you save on car insurance because of the fact that having a home demonstrates responsibility.
- Drive Less and Save - Keeping the miles down could qualify for discounted rates on garaged vehicles.
- Organization Discounts - Being a member of a professional or civic organization is a good way to get lower rates on car insurance.
Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, companies don't profit that way.
To choose companies with the best car insurance discounts in Illinois, click here to view.
Save 15 percent in 15 minutes? Is it for real?
Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise of big savings if you move to their company. But how can every company claim to save you money?
All companies can use profiling for the driver that makes them money. A good example of a desirable insured might be over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.
Potential customers who don't meet this ideal profile will have to pay higher prices and ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently advertise the way they do. Because of the profiling, you need to get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.
More tips and info about car insurance can be read at the Illinois Department of Insurance website. Visitors are able to learn about insurance regulations, download brochures, find out industry alerts, and get help finding coverage.
Other informative sites include this Car Insurance FAQ and this page of insurance agents in Park Forest.
Affordable insurance is out there
When shopping online for car insurance, do not reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at an affordable rate.
Cost effective car insurance is definitely available both online and also from your neighborhood Park Forest agents, and you should be comparing both so you have a total pricing picture. Some car insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.
