9 Guaranteed Ways to Cut Car Insurance Costs in Stillman Valley, IL

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than most other car owners in Illinois.

Drivers have multiple to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. Just because you found the best price two years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because we're going to demonstrate the quickest way to buy cheaper car insurance.

Finding affordable coverage in Stillman Valley is easy if you know what you're doing. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. But Illinois consumers do need to know the methods companies use to sell online and apply this information to your search.

Policy discounts you shouldn't miss

Auto insurance companies do not list every available discount very clearly, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

Multi-policy Discount - If you have multiple policies with one company you will save 10% to 20% off each policy.
No Accidents - Claim-free drivers can save substantially compared to drivers who are more careless.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
Clubs and Organizations - Being a member of a qualifying organization is a good way to get lower rates on your policy.
Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make an identical promise that you'll save big if you change to their company. How does each company claim to save you money? This is how they do it.

Different companies can use profiling for the driver that earns them a profit. For example, a preferred risk might be over the age of 40, is a homeowner, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards will be charged higher rates and ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can state the savings. That is why you should quote coverage with many companies. It's just too difficult to predict the company that will give you the biggest savings.

More detailed Illinois car insurance information can be found at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, read industry bulletins, find out which companies have the most complaints, and get help finding coverage.

The best insurance company isn't always the cheapest

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Discount car insurance can be sourced both online and also from your neighborhood Stillman Valley agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.