8 Best Methods to Lower Car Insurance Costs in Shabbona

Overpriced car insurance can empty your savings account and put the squeeze on your family's finances. Shopping your coverage around is a smart way to lower your monthly bill.

Lots of contend for your business, and because of this it can be hard to compare to get the lowest price

It's important to price shop coverage quite often since rates are constantly changing. Just because you found the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the quickest way to eliminate unnecessary coverages and save money.

Illinois car insurance quotes

Free Shabbona Car Insurance Quotes

The are a couple different ways to compare rate quotes from local Shabbona car insurance companies. The best method to find competitive insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

  • The recommended way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method eliminates the need for separate forms to each individual car insurance company. One form gets you price quotes from several companies.
  • A different way to shop for car insurance online requires a trip to the website for each individual company to complete their respective quote request forms. For example, let's assume you want comparison quotes from , and . To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Shabbona, click here.

It doesn't matter which method you choose, just make darn sure you compare the exact same quote information on every quote you get. If you have mixed coverages then you won't be able to determine which rate is truly the best in Shabbona. Just a small difference in limits may result in large price differences. And when comparison shopping, comparing more company's prices will enable you to find a better price.

Policy discounts you shouldn't miss

Auto insurance companies don't list all their discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known car insurance savings.

  • Discount for Life Insurance - Some companies give lower rates if you buy auto and life insurance together.
  • 55 and Retired - Mature drivers may receive a discount up to 10%.
  • Memberships - Belonging to certain professional organizations could qualify you for a break on car insurance.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Sign Online - A handful of insurance companies will give a small break just for signing your application on their website.
  • Safety Course Discount - Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it just doesn't work that way.

To see a list of companies with discount car insurance rates in Shabbona, follow this link.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Every situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation could use an agent's help.

  • When does my teenage driver need to be added to my policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

More sites with car insurance information

Additional detailed information can be found at the Illinois Department of Insurance website. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, find out which companies have the most complaints, and report car insurance fraud.