Tightwads Guide to Saving on Plainfield Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you're not the only one. Having so many different company options, it's difficult to choose the best company.

car insurance in Plainfield

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but you may find discounts that many people don't even know exist. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be asked about before being credited. If you don't get every credit possible, you're just leaving money on the table.

  • Fewer Miles Equal More Savings - Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Defensive Driver - Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Discount for Good Grades - Getting good grades can save 20 to 25%. The discount lasts until age 25.

A little note about advertised discounts, many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

For a list of insurers offering car insurance discounts in Illinois, click this link.

Compare the Market for Car Insurance in Plainfield

Finding a better price on car insurance is a fairly straight forward process. Consumers just need to spend a little time comparing rate quotes online with multiple companies. This can be accomplished using a couple different methods.

One of the best ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This form keeps you from doing a different quote for each company. Completing one form compares rates .

Another way to shop for car insurance online is going to the website for every company you want to comare and fill out their own quote form. For instance, let's say you want to compare rates from , and . You would have to go to every website and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in Plainfield, click here.

The hardest method to compare rates is to spend time driving to different agent offices. The internet makes this process obsolete unless you want the trained guidance of a licensed agent. Drivers can compare online quotes but buy from a local insurance agent and we'll talk about that later.

It doesn't matter which method you choose, just compare apples-to-apples coverage limits and deductibles for each comparison quote. If you are comparing different liability limits then you won't be able to determine the lowest rate in Plainfield.

Best coverage at the best price

Cheaper car insurance can be found from both online companies and with local Plainfield insurance agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.

We just showed you many ideas to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the smallest insurance companies. These companies may cover specific market segments cheaper compared to the large companies like .