Proven Techniques to Save on Sidell Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your personal savings and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Having so many insurance companies to choose from, it's nearly impossible to choose the most affordable provider.

Finding affordable coverage in Sidell is easy if you know what you're doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. But Illinois vehicle owners do need to know the way insurance companies price insurance differently and apply this information to your search.

compare Sidell auto insurance rates

How much can you save with discounts?

Companies do not advertise every discount very well, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using.

  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Accident Waiver - Some insurance companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Multiple Policy Discount - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Passive Restraints - Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Club Memberships - Affiliation with a professional or civic organization is a good way to get lower rates when shopping for auto insurance.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Driver's Ed - Require your teen driver to successfully complete driver's ed class if it's offered in school.
  • Paperwork-free - Certain companies give back up to $50 for buying a policy and signing up online.
  • Distant Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

For a list of insurance companies who offer auto insurance discounts in Illinois, click here to view.

Sidell Auto Insurance Prices Online

There are several ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste hours talking to insurance agencies in Sidell, or you could use the internet for quick rates.

Most car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company provides a quote for coverage. This saves time by eliminating quote forms for each company you want a rate for.

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

The one downside to comparing rates this way is you are unable to specify the companies to get quotes from. So if you want to choose specific providers to compare rates, we have a page of companies who write auto insurance in Illinois. Click to view list.

It's up to you which method you use, but ensure you are comparing apples-to-apples information on every quote you get. If you use higher or lower deductibles you can't possibly determine which rate is truly the best in Sidell. Quoting even small variations in insurance coverages can result in a big premium difference. Just remember that comparing a large number of companies gives you a better chance of getting the best price.

The best insurance company isn't always the cheapest

Discount auto insurance can be purchased on the web as well as from independent agents in Sidell, and you need to price shop both to have the best rate selection. Some insurance companies don't offer online quoting and these regional insurance providers work with independent agents.

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.