8 Tips to Save on Car Insurance in Prospect Heights, IL

Sick and tired of scraping the payment together each month for car insurance? You are no different than the majority of other car owners in Illinois. Lots of contend to insure your vehicles, so it's not easy to compare every to get the lowest rate

More discounts equal less premium

Car insurance companies don't list all available discounts in an easy-to-find place, so here is a list both the well known as well as the least known car insurance savings. If they aren't giving you every credit available, you are throwing money away.

Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break when buying car insurance.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Driver Safety - Successfully completing a defensive driving course could save 5% or more if you qualify.
Save with a New Car - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
Military Discounts - Having a deployed family member may qualify for rate reductions.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Employee of Federal Government - Active or retired federal employment could cut as much as 10% off depending on your company.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn't work that way.

Switch companies and save? Really?

Consumers in Illinois get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. All the companies say the same thing that you can save after switching your policy.

How do they all claim to save you money?

Insurance companies can use profiling for the right customer that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who fits that profile will get the preferred rates and therefore will cut their rates substantially.

Consumers who do not match the "perfect" profile must pay higher rates which usually ends up with the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's why insurance companies can make the claims of big savings. This illustrates why drivers should get as many comparisons as possible. It's just too difficult to predict the company that will fit your personal profile best.

More Illinois car insurance information

Additional detailed information is available at the Illinois Department of Insurance website. Visitors are able to find out which companies have the most complaints, view a list of available companies, learn about insurance regulations, and discover disciplinary actions.

Best coverage at the best price

Affordable car insurance can be bought both online in addition to many Prospect Heights insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, you should never skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.