Proven Ways to Save on Shannon Car Insurance

I can't think of anyone who cherishes buying car insurance, particularly when they are paying too much. Consumers have many to buy insurance from, and although it's nice to have a choice, it can be more difficult to compare rates.

It's important to compare rates periodically due to the fact that insurance rates are constantly changing. Even if you think you had the best deal six months ago there may be better deals available now. So just forget anything you know (or think you know) about car insurance because I'm going to teach you the only way to properly buy coverages and cut your premium.

Illinois car insurance

Are you getting all your discounts?

Companies offering auto insurance don't list every available discount very clearly, so here is a list both the well known and the harder-to-find car insurance savings. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Discount for Swiching Early - Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Low Mileage - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • E-sign - A few companies may give you up to $50 just for signing your application over the internet.
  • Resident Student - Children who live away from home and don't have a car can be insured at a reduced rate.

Keep in mind that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it just doesn't work that way.

For a list of providers with discount car insurance rates in Illinois, follow this link.

How to Get Shannon Car Insurance Comparison Quotes

Most major insurance companies like State Farm and Allstate allow you to get prices on their websites. Obtaining pricing is quite easy as you simply enter your personal and coverage information as detailed in the form. Once entered, the system will obtain your credit score and driving record and generates pricing information. Quoting online simplifies rate comparisons, but the time it takes to visit several different sites and fill out multiple forms gets old quite quickly. But it's very important to perform this step in order to find the best price on car insurance.

There is a better way!

A more efficient way to compare rates makes use of a single form that analyzes rates from more than one company. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, it is rated with multiple companies and you can pick any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process takes just a few minutes to complete and may save quite a bit of money.

In order to find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you input deductibles and limits as shown on your current policy. This helps ensure you're receiving rate comparison quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Every insured's situation is different and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you might need professional guidance.

  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It's fast, free and may give you better protection.

In the end, you save

We just presented a lot of information how to get a better price on car insurance. It's most important to understand that the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as .

Affordable car insurance is attainable both online and also from your neighborhood Shannon agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.