How to Know You're Wasting Money for Car Insurance in Richmond

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are lots of people in the same boat. Having so many online and local companies to choose from, it's nearly impossible to pick the lowest price provider.

It's important to shop coverage around at least once a year due to the fact that insurance rates are constantly changing. If you had the best rates a year ago you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online but I'm going to show you some great ways to find affordable car insurance.

The purpose of this post is to tell you the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Illinois vehicle owners just need to know the proper way to find the lowest price online.

Richmond car insurance comparison

Quick Richmond Car Insurance Quotes

There are multiple methods to compare car insurance prices but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance companies in Richmond, or you could save time and use the internet to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each participating company then gives them pricing for coverage. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you cannot specify the providers to receive prices from. So if you want to select specific insurance companies to compare rates, we have a page of car insurance companies in Illinois. View list of Illinois insurance companies.

It's up to you which method you use, but compare apples-to-apples deductibles and coverage limits on every quote you get. If you use different values for each quote it will be impossible to determine which rate is truly the best in Richmond.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Some trigger automatically when you quote, but some may not be applied and must be specifically requested before you get the savings. If you don't get every credit possible, you're paying more than you need to.

  • Senior Citizens - Mature drivers can possibly qualify for a small decrease in premiums.
  • Drive Less and Save - Keeping the miles down could qualify for discounted rates on garaged vehicles.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Defensive Driving Course - Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Life Insurance - Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Homeowners Discount - Owning a house in Richmond can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Driver's Ed - Have your child complete a driver education course in high school.

Consumers should know that most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will help reduce your premiums.

To see a list of companies with the best car insurance discounts in Illinois, click here to view.

Find out more about car insurance

Much more information about car insurance in Illinois can be read on the website for the Illinois Department of Insurance located here. Visitors are able to learn about insurance regulations, find disaster information, view a list of available companies, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Richmond.