How to Know You're Spending Too Much for Car Insurance in Stonington

Having to pay for overpriced car insurance can overdraw your checking account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances.

You have so many to buy insurance from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around quite often because rates are constantly changing. Just because you had the lowest price on your last policy you can probably find a lower rate today. There is a lot of bad information regarding car insurance online but we're going to give you some great ways to find affordable car insurance.

The purpose of this article is to help you learn the best way to quote coverages and some money-saving tips. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Nevertheless, Illinois car owners do need to know how companies sell insurance online because it can help you find the best coverage.

Illinois car insurance

Free Quotes for Car Insurance in Stonington, Illinois

There are several ways to compare car insurance quotes, but one way is less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with insurance companies in Stonington, or you could save time and use online quoting to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company can provide price quotes. This saves time by eliminating quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The single downside to doing it this way is you cannot specify the providers you will receive quotes from. So if you want to choose individual companies to compare rates, we have a listing of car insurance companies in Illinois. Click here for list of insurance companies in Illinois.

It's up to you which method you use, but make darn sure you compare identical coverages and limits for each price quote. If you compare different deductibles it's impossible to truly determine the lowest rate in Stonington. Quoting even small variations in coverage limits may result in large price differences. And when comparison shopping, comparing more company's prices helps locate a lower rate.

How much can you save with discounts?

Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Some trigger automatically when you get a quote, but a few must be inquired about before you will receive the discount.

  • Good Student Discount - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • New Car Discount - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Low Mileage - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Own a Home - Being a homeowner can help you save on car insurance because owning a home shows financial diligence.
  • Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Life Insurance - Larger companies have a discount if you purchase life insurance from them.
  • Lower Rates for Military - Being on active duty in the military could mean lower rates.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of providers offering car insurance discounts in Illinois, click here to view.

How much car insurance do I need?

When choosing the best car insurance coverage for your personal vehicles, there isn't really a best way to insure your cars. Everyone's situation is a little different so your insurance should reflect that For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

  • Do I need to file an SR-22 for a DUI in Illinois?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my policy cover me when driving someone else's vehicle?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Additional car insurance information is located on the website for the Illinois Department of Insurance located here. Consumers can file complaints about a company, read enforcement actions against agents and companies, learn about insurance regulations, and discover disciplinary actions.