Car Insurance in Seneca, IL - 7 Tips to Save Money

Nobody looks forward to paying for car insurance, especially when their premiums are too high. Popular companies such as GEICO and Progressive persitently shower you with advertising and it can be hard to sift through the bull and take the time to shop coverage around.

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. Choosing the best insurance company for you in Seneca is quite easy. Illinois drivers only need an understanding of how to find the lowest price over the internet.

Don't pay full price with these seven discounts

Car insurance companies do not advertise all available discounts in a way that's easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • New Car Discount - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Federal Employees - Simply working for the federal government may qualify you for a discount depending on your company.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Driver Safety - Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Life Insurance - Larger companies have better rates if you take out auto and life insurance together.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way.

For a list of insurers who offer car insurance discounts in Seneca, click here to view.

Automobile Insurance Quotes in Seneca, IL

There are multiple methods to shop for car insurance, but some are easier and takes less work. You can waste hours discussing policy coverages with agents in Seneca, or you could use the internet to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each company returns a rated price. This saves time by eliminating quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is that you can't choose the companies you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have a listing of companies who write car insurance in Illinois. Click to view list.

It's up to you which method you use, but make absolute certain that you use exactly the same information on every quote you get. If you are comparing higher or lower deductibles then you won't be able to determine which rate is truly the best in Seneca.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out whether or not you could use an agent's help.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the financial responsibility laws in Illinois?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.

And the best car insurance company is...

Cost effective car insurance can be purchased from both online companies as well as from independent agents in Seneca, and you need to comparison shop both to have the best rate selection. Some companies don't offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut liability coverage limits only to discover later they didn't purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.