6 Discounts Sublette Consumers Forget when Buying Car Insurance

If you are a novice to online car insurance shopping, it's easy to get confused due to the large number of car insurance companies all offering big savings in Sublette.

Shopping for affordable car insurance coverage in Sublette is easy if you know what you're doing. Basically, everyone who is required by state law to have car insurance stands a good chance to be able to reduce their rates. But Illinois consumers do need to know the way insurance companies determine prices because it can help you find the best coverage.

Save big with these six discounts

Insuring your fleet can be pricey, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied when you quote, but less common discounts must be manually applied prior to getting the savings.

  • Military Rewards - Having a deployed family member can result in better rates.
  • Passive Restraints - Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
  • Multiple Policy Discount - If you have multiple policies with the same company you may earn at least 10% off all policies.
  • Federal Employees - Active or retired federal employment could cut as much as 10% off with a few car insurance companies.

Consumers should know that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way. But all discounts will bring down your overall premium however.

compare Sublette car insurance rates

But I don't know anything about car insurance

When it comes to buying the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Every situation is different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Why am I required to get a high-risk car insurance policy?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing that you'll save big if you move to them. How does each company claim to save you money? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a driver they prefer might be a mature driver, a clean driving record, and has a short commute. Any new insured who fits that profile receives the best rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "people who quote" save money. That is how companies can make the claims of big savings.

This emphasizes why drivers should get as many comparisons as possible. It's just too difficult to predict which company will fit your personal profile best.

Additional Illinois consumer information

Much more information about car insurance in Illinois is located on the Illinois Department of Insurance website found here. Visitors are able to find disaster information, find out industry alerts, and view a list of available companies.

Also read more on this page for car insurance prices in Illinois and this page of Sublette insurance agents.

Illinois car insurance

Shop smart and save

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, poor customer service, delays in paying claims and even high rates after DUI convictions. Whatever your reason, finding a new car insurance company is less work than it seems.

We just covered a lot of information how to reduce car insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the best price on car insurance is with some of the smallest insurance companies.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. There have been many situations where someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price while still protecting your assets.