Free Guide to Paying Less for South Elgin Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are a lot of people in South Elgin just like you who feel imprisoned by their car insurance policy.

Numerous battle for your insurance dollar, so it can be very hard to choose a to get the lowest price

It's important to shop coverage around every six months due to the fact that insurance rates are constantly changing. If you had the best deal six months ago you will most likely find a better rate today. Starting now, block out anything you think you know about car insurance because I'm going to teach you the only way to find better rates and still maintain coverage.

If you currently have car insurance, you should be able to save some money using this information. Finding affordable coverage in South Elgin is quite easy. Nevertheless, Illinois consumers do need to know how big insurance companies market on the web and take advantage of how the system works.

How much can you save with discounts?

Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so here is a list both the well known and the harder-to-find ways to save on car insurance.

  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Clubs and Organizations - Being a member of certain professional organizations could trigger savings on your policy.
  • Claim Free - Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Low Mileage - Keeping the miles down can qualify you for better rates on cars that stay parked.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.

It's important to understand that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, it doesn't quite work that way.

South Elgin car insurance quote

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make the same claim of big savings if you move your coverage to them. How do they all claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of customer that earns them a profit. An example of a preferred risk might be between 30 and 50, has no driving citations, and has a high credit rating. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will be charged higher prices which leads to the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can confidently state the savings. That is why you should get quotes from several different companies. You cannot predict which car insurance company will have the lowest rates.

More tips and info about car insurance is available at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, find out which companies have the most complaints, read industry bulletins, and report car insurance fraud.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Low-cost car insurance is definitely available both online as well as from independent agents in South Elgin, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.