5 Ways to Save on Car Insurance in Poplar Grove, IL

Beginners to buying insurance online may find purchasing affordable Poplar Grove car insurance quite challenging.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. Shopping for the cheapest protection in Poplar Grove is easy if you know what you're doing. Nevertheless, Illinois car owners do need to know how big insurance companies compete online because it can help you find the best coverage.

Be sure to get all your discounts

Auto insurance companies don't always publicize all available discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Homeowners Savings - Owning a home in Poplar Grove can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Good Student - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • 55 and Retired - Older drivers may be able to get a small decrease in premiums.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

It's important to understand that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, it doesn't quite work that way.

For a list of insurers who offer car insurance discounts in Poplar Grove, click here to view.

Vehicle Insurance Comparison

Effectively comparing car insurance prices can take time and effort if you don't know the easiest way. You can waste hours discussing policy coverages with local insurance agents in Poplar Grove, or you can stay home and use the internet to accomplish the same thing much quicker.

Most car insurance companies belong to a marketplace that allows shoppers to submit their information once, and each company returns a rated price for coverage. This saves time by eliminating quotation requests to each individual car insurance company.

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

The single downside to getting quotes like this is that consumers can't choose the companies you want pricing from. So if you prefer to choose specific providers to request quotes from, we have a listing of the cheapest car insurance companies in Illinois. Click to view list.

It's up to you which method you use, but be sure to compare the exact same coverage information for every quote you compare. If you use unequal deductibles or liability limits you will not be able to determine the best price in Poplar Grove. Quoting even small variations in coverage limits can result in a big premium difference. Keep in mind that comparing a large number of companies will enable you to find the best offered rates.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Every insured's situation is different.

For example, these questions may help highlight whether or not you might need professional guidance.

  • When do I need to add a new car to my policy?
  • Do I need to file an SR-22 for a DUI in Illinois?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Do I qualify for additional discounts?

If you're not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Shop smart and save

Low-cost car insurance can be bought from both online companies as well as from independent agents in Poplar Grove, so compare prices from both so you have a total pricing picture. Some insurance companies don't offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

You just learned some good ideas how you can get a better price on car insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best prices are with a lesser-known regional company.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In too many instances, someone dropped collision coverage and learned later that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.