6 Best Ways to Slash Car Insurance Costs in Sleepy Hollow

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of car insurance companies all offering big savings in Sleepy Hollow.

Are you getting all your discounts?

Companies don't always advertise every discount very clearly, so we break down both the well known and the more hidden car insurance savings. If you're not getting every credit you qualify for, you are throwing money away.

  • Federal Employees - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
  • Homeowners Savings - Simply owning a home may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Save with a New Car - Insuring a new car is cheaper due to better safety requirements for new cars.

It's important to note that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like all those discounts means the company will pay you, you're out of luck.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

For instance, these questions might point out whether you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • When do I need to add a new car to my policy?
  • Should I buy only the required Illinois minimum liability coverage?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers in Illinois get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Allstate and GEICO. They all say the same thing that you can save if you change your coverage to them.

How does each company claim to save you money?

All the different companies have a certain "appetite" for the type of customer that earns them a profit. For example, a driver they prefer might be over the age of 50, owns a home, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher rates which usually ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that much money. That is how insurance companies can claim big savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

For more Illinois car insurance information

Additional detailed information can be found at the Illinois Department of Insurance website. Visitors are able to download brochures, read consumer alerts, and report car insurance fraud.

Also read more on this online resource for car insurance quotes in Illinois and this list of insurance agents in Sleepy Hollow.

Sleepy Hollow car insurance quote

In the end, you save

Consumers leave their current company for many reasons like extreme rates for teen drivers, policy cancellation, lack of trust in their agent and even delays in paying claims. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.

When trying to cut insurance costs, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Lower-priced car insurance can be sourced both online as well as from independent agents in Sleepy Hollow, and you should be comparing both to get a complete price analysis. A few companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.