Car Insurance in Quincy Illinois - 6 Tips to Save Money

Beginners to buying insurance online may find finding low-cost Quincy car insurance quite difficult.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but some must be inquired about before they will apply. If you're not getting every credit you qualify for, you are paying more than you should be.

  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
  • Auto/Home Discount - If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • Student in College - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.

It's important to note that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you're out of luck. But any discount will bring down the amount you have to pay.

To choose insurers who offer car insurance discounts in Illinois, follow this link.

Save $429 a year? Really?

Consumers can't ignore all the ads for cheaper car insurance by Allstate, GEICO and Progressive. All the companies say the same thing that you can save after switching to their company.

How does each company make the same claim?

Insurance companies have a certain "appetite" for the driver that makes them money. An example of a profitable customer could be over the age of 50, owns a home, and has great credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher rates which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the savings.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which company will fit your personal profile best.

Insurance agents can help

When buying proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Illinois?
  • Why does it cost so much to insure a teen driver in Quincy?
  • Should I buy additional glass protection?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

For more Illinois car insurance information

More information is available on the Illinois Department of Insurance website located here. Consumers can report car insurance fraud, find out industry alerts, and view agent and company licensing information.

Other informative sites include this page for Illinois car insurance and this page for help finding agents in Quincy, IL.

Quincy car insurance quote

A tidy conclusion

Lower-priced car insurance can be purchased from both online companies and also from your neighborhood Quincy agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don't buy poor coverage just to save money. In too many instances, an insured cut liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

You just learned a lot of tips how to save on car insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the biggest savings come from the least-expected company.