Free Guide to Spending Less for Silvis Auto Insurance Online

Having to pay for overpriced auto insurance can dwindle your checking account and put the squeeze on your family's finances. Comparison shopping is a great way to tighten up your finances.

Numerous battle for your business, and because of this it can be hard to compare and get the best coverage at the lowest rate

It's important to get comparison quotes yearly because prices are constantly changing. Just because you found the lowest price two years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.

If you have car insurance now, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Silvis is not that difficult. Although Illinois drivers do need to know the way insurance companies sell online because it can help you find the best coverage.

Silvis auto insurance quote

How to Get Cheap Auto Insurance in Silvis, IL

Performing a rate comparison can be a lot of work if you aren't aware of the easiest way. You can spend countless hours discussing policy coverages with insurance agencies in Silvis, or you could save time and use the web to get pricing more quickly.

The majority of car insurance companies participate in a marketplace that enables customers to enter their policy data once, and every company can give them a price for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is you are unable to specify the providers you want to price. If you wish to select specific providers to compare, we put together a list of auto insurance companies in Illinois. Click here to view list.

Whichever method you choose, make sure you use the exact same quote information for every company. If you use mixed coverages it's impossible to decipher which rate is best in Silvis. Slightly different coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will increase your chances of finding a better price.

Don't pay full price with these discounts

Car insurance is not cheap, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but less common discounts must be specially asked for in order for you to get them.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Memberships - Participating in certain professional organizations may earn a discount on your policy.
  • Low Mileage - Low mileage vehicles could be rewarded with a substantially lower rate.
  • No Claims - Drivers who don't have accidents pay much less compared to bad drivers.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Accident Waiver - A few companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, you won't be that lucky. Any amount of discount will cut your premiums.

To see a list of providers with discount auto insurance rates in Silvis, click here.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone's situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Are rental cars covered under my policy?
  • Is my nanny covered when driving my vehicle?
  • Do I qualify for additional discounts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Additional information is located on the website for the Illinois Department of Insurance located here. Illinois consumers can find out industry alerts, file complaints about an insurance agent or broker, find out which companies have the most complaints, and find disaster information.