Top 5 Ways to Save on Car Insurance in Urbana, IL

Finding lower rates for Urbana car insurance is difficult for people who are new to shopping for insurance online. There are so many companies to choose from that it can easily become a real challenge to locate the lowest price in Urbana.

It's important to get comparison quotes once or twice a year since rates are constantly changing. Even if you think you had the best price on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. The purpose of this article is to instruct you on how to effectively get price quotes and some money-saving tips. But Illinois consumers do need to know the way companies market insurance on the web and apply this information to your search.

Illinois car insurance

Don't pay full price with these 5 discounts

Car insurance companies don't necessarily list every available discount in an easy-to-find place, so we took the time to find both the well known and also the lesser-known discounts you could be receiving.

  • Passive Restraints - Vehicles with factory air bags can get savings of more than 20%.
  • Student Driver Training - Require your teen driver to take driver's ed class if offered at their school.
  • Low Mileage - Low mileage vehicles can earn a substantially lower rate.
  • Multiple Cars - Having all your vehicles on one policy can get a discount on all vehicles.
  • Save with a New Car - Adding a new car to your policy can save up to 30% compared to insuring an older model.

Consumers should know that some of the credits will not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way.

For a list of providers with discount car insurance rates in Urbana, click here.

How to Compare Car Insurance Costs in Urbana

There are multiple methods you can shop for car insurance but some are less labor-intensive and much quicker. You can waste hours talking to agents in Urbana, or you could use online quoting to accomplish the same thing much quicker.

Most car insurance companies participate in a marketplace that enables customers to submit one quote, and each participating company can provide price quotes. This prevents consumers from doing quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to comparing rates this way is you can't choose the companies you will receive quotes from. So if you want to select individual companies for rate comparison, we have a page of companies who write car insurance in Illinois. Click here to view list.

However you get your quotes, double check that you are using the exact same coverage limits on every quote you get. If you compare differing limits you can't possibly determine which rate is truly the best in Urbana. Slightly different insurance coverages could mean much higher rates. It's important to know that having more price comparisons will enable you to find better pricing.

Do the work, save more money

We just covered a lot of techniques to get a better price on car insurance. It's most important to understand that the more you quote, the better your comparison will be. You may even find the lowest rates come from a small mutual company.

Drivers leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, delays in responding to claim requests and lack of trust in their agent. Regardless of your reason, finding a new car insurance company is not as hard as you think.

Discount car insurance is attainable both online in addition to many Urbana insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.