Car Insurance in Rock Island, IL - 10 Discounts You Might be Losing Out On

Expensive car insurance can overdraw your savings account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Numerous battle for your insurance dollar, and because of this it can be hard to compare to get the lowest rate

Be sure to get all your discounts

Companies that sell car insurance don't list every discount in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using.

  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Distant Student - Kids in college who are attending college and do not have a car can receive lower rates.
  • Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Defensive Driver - Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Low Mileage Discounts - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Seat Belts Save - Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Claim Free - Drivers who don't have accidents pay much less when compared to drivers who are more careless.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous.

compare Rock Island car insurance rates

How do I know if I need professional advice?

When it comes to buying the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's needs are different so your insurance should reflect that For example, these questions may help you determine whether or not you would benefit from an agent's advice.

  • What can I do if my company won't pay a claim?
  • What are Illinois no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Why am I be forced to buy a membership to get insurance from some companies?

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, fill out this quick form or you can also visit this page to select a carrier

Is there truth in advertising?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make an identical promise about savings if you switch your coverage to them. How do they all claim to save you money?

All companies have a preferred profile for the type of customer that earns them a profit. For instance, a driver they prefer might be between 25 and 40, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be quoted a higher premium and ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully state the savings. This emphasizes why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

Even more information is located at the Illinois Department of Insurance website. Visitors are able to view a list of available companies, read enforcement actions against agents and companies, read consumer alerts, and discover disciplinary actions.

Rock Island car insurance comparison

Affordable insurance is out there

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many situations where drivers have reduced liability coverage limits only to discover later that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Cheap car insurance can be found both online as well as from independent agents in Rock Island, so you should compare both to have the best selection. Some insurance companies don't offer you the ability to get quotes online and these small, regional companies work with independent agents.