How to Know You're Paying Too Much for Auto Insurance in Romeoville

I can't think of anyone who looks forward to buying auto insurance, in particular when the price is too high.

You have so many to buy insurance from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around occasionally because insurance rates are constantly changing. Despite the fact that you may have had the best deal a few years ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to find better rates and still maintain coverage.

Choosing the best insurance company for you in Romeoville is quite easy. Essentially everyone who has to buy auto insurance stands a good chance to be able to save money. Nevertheless, Illinois drivers do need to know the way insurance companies compete online and take advantage of how the system works.

Automobile Insurance Quotes in Romeoville, IL

Effectively comparing auto insurance prices is a ton of work if you aren't aware of the most efficient way to do it. You can spend countless hours driving to insurance agencies in Romeoville, or you can stay home and use online quoting to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each company then gives them pricing for coverage. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only downside to pricing coverage this way is you are unable to specify the providers you want pricing from. If you would rather choose specific providers to compare, we have a listing of the cheapest auto insurance companies in Illinois. Click to view list.

Whichever way you use, make absolute certain that you use identical coverage information with every price quote. If you use unequal deductibles or liability limits it will be very difficult to find the best deal in Romeoville. Just a small difference in coverage limits may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices helps locate the best offered rates.

Don't pay full price with these discounts

Companies that sell car insurance don't list all their discounts very clearly, so here is a list both well-publicized and the harder-to-find auto insurance savings.

  • Accident Forgiveness - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • College Student - Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Save over 55 - Mature drivers may be able to get a small decrease in premiums.
  • Drive Less and Save - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Multiple Vehicles - Having multiple vehicles on the same auto insurance policy qualifies for this discount.

It's important to understand that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn't quite work that way.

To see a list of companies who offer auto insurance discounts in Illinois, follow this link.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need PIP (personal injury protection) coverage in Illinois?
  • Why does it cost so much to insure a teen driver in Romeoville?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

More tips and info about auto insurance is available at the Illinois Department of Insurance website. Illinois consumers can learn about insurance regulations, read consumer alerts, read enforcement actions against agents and companies, and find disaster information.