Easy Techniques to Pay Less on Shelbyville Auto Insurance

Purchasing affordable Shelbyville auto insurance online is difficult for consumers new to online price comaprisons. With so many companies competing online, how can consumers effectively compare the different rates to find the lowest rates?

compare Shelbyville auto insurance rates

Don't pay full price with these discounts

Companies offering auto insurance don't list every discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving.

  • Payment Method - By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Low Mileage Discounts - Fewer annual miles could be rewarded with a substantially lower rate.
  • Lower Rates for Military - Being deployed with a military unit may qualify for rate reductions.
  • Early Switch Discount - Select companies give a discount for switching policies before your current policy expires. It's a savings of about 10%.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren't that generous.

For a list of insurance companies who offer auto insurance discounts in Shelbyville, click here.

Where Can I Get Cheap Shelbyville Auto Insurance?

Effectively comparing auto insurance prices can be exhausting if you don't know the easiest way. You can waste hours discussing policy coverages with insurance agencies in Shelbyville, or you can stay home and use the web to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company provides a quote determined by their information. This prevents consumers from doing quotation requests to each individual auto insurance company.

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

One minor caviat to using this type of form is buyers cannot specifically choose the companies to get quotes from. If you wish to select specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in Illinois. Click to view list.

However you get your quotes, make sure you use the exact same quote information with each company. If your comparisons have mixed coverages it will be very difficult to make an equal comparison in Shelbyville. Slightly different coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more company's prices will increase your chances of finding the best offered rates.

Your personal situation dictates your coverage

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone's situation is unique.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in Illinois?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can't answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Shop smart and save

Drivers change insurance companies for any number of reasons including unfair underwriting practices, delays in paying claims, an unsatisfactory settlement offer and delays in responding to claim requests. Regardless of your reason, switching auto insurance companies is not as hard as you think.

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Cheap auto insurance can be sourced online as well as from independent agents in Shelbyville, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies don't offer online quoting and these small, regional companies work with independent agents.