Top 7 Ways to Save Money on Car Insurance in Tinley Park

Paying for high-priced car insurance can overdraw your bank account and force you to make sacrifices. Comparison shopping is a smart way to tighten up your finances.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with TV and radio ads and it can be hard to sift through the bull and find the best price available.

It's important to compare rates quite often since rates are constantly changing. Even if you think you had the lowest price six months ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the internet, so I'm going to show you some great ways to save money.

Save big with these seven discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. Some trigger automatically when you quote, but a few must be requested specifically before you get the savings.

Sign Online - Some insurance companies may give you up to $50 for buying your policy digitally online.
Senior Citizens - Mature drivers may receive better car insurance rates.
Drive Less and Save - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you may reduce your total bill.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
Multiple Cars - Insuring all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
Accident Waiver - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of companies with discount car insurance rates in Tinley Park, follow this link.

Free Quotes for Car Insurance in Tinley Park, Illinois

There are several ways to get quotes from local Tinley Park car insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in several different ways.

The best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method prevents you from having to do boring form submissions for each company. One form will get you price quotes from all major companies.
A more time consuming way to get quotes online requires a visit to each individual company website to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . You would have to visit each site to input your insurance information, which is why the first method is more popular. To view a list of companies in Tinley Park, click here.

Whichever way you use, make darn sure you compare exactly the same coverage limits on every quote you get. If you have differing limits it's impossible to determine which rate is truly the best in Tinley Park. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will increase your chances of finding better pricing.

But I don't know anything about car insurance

When choosing the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different so your insurance needs to address that. These are some specific questions may help you determine if your situation would benefit from an agent's advice.

Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?
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?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance ads bend the truth

Car insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to say the same thing about savings if you change to their company. How can each company claim to save you money?

Different companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured might be between 25 and 40, insures multiple vehicles, and has a high credit rating. Any new insured who fits that profile will get very good rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay a higher premium which usually ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that much. This is how companies can truthfully state the savings.

Because of the profiling, drivers must compare as many rates as you can. It's just too difficult to predict which insurance companies will have the lowest rates.

The best insurance company isn't always the cheapest

Cheaper car insurance is attainable both online and also from your neighborhood Tinley Park agents, so you should compare both to have the best selection. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and learned later that they should have had better coverage. Your aim should be to find the BEST coverage at a price you can afford.

Additional information is located on the website for the Illinois Department of Insurance located here. Visitors are able to get help finding coverage, learn about insurance regulations, find disaster information, and view a list of available companies.