6 Tricks Shown to Save Money on Car Insurance Costs in Western Springs, IL

Saving money on Western Springs car insurance is a challenge for consumers not familiar with buying insurance online. There are so many choices that it can be more work than you anticipated to compare prices in Western Springs.

It's important to compare rates before your policy renews since rates are constantly changing. If you had the best deal a few years ago you can probably find a better price now. So just forget all the misinformation about car insurance because we're going to show you the proper way to properly buy coverages and cut your premium.

Buying the lowest cost car insurance coverage in Western Springs is simple if you know the tricks. If you are insured now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Illinois consumers only need to know the best way to get comparison rates online.

Illinois car insurance

Save big with these six discounts

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some must be manually applied prior to getting the savings. If you're not getting every credit available, you are paying more than you should be.

  • Passive Restraint Discount - Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • No Accidents - Claim-free drivers can earn big discounts compared to accident-prone drivers.
  • One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.

A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

To choose providers with the best car insurance discounts in Illinois, click this link.

Car insurance ads bend the truth

Consumers can't ignore all the ads for the lowest price auto insurance by State Farm and Allstate. All the ads make the same claim about savings if you move to their company.

How does each company make the same claim?

Insurance companies can use profiling for the driver that makes them money. An example of a preferred risk could be between the ages of 40 and 55, is a homeowner, and has a short commute. Any new insured who matches those parameters receives the best rates and most likely will save when switching.

Potential customers who fall outside these standards will be charged a higher premium which leads to business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that much. That's why companies can truthfully make the claims of big savings.

That is why you should get as many comparisons as possible. It's just too difficult to predict the company that will fit your personal profile best.

Learn more today

Additional information is available on the Illinois Department of Insurance website located here. Consumers can find out industry alerts, find a variety of consumer forms, and read industry bulletins.

A tidy conclusion

You just learned some good ideas how to save on car insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even find the lowest priced car insurance comes from a small local company.

Insureds who switch companies do it for a number of reasons such as poor customer service, being labeled a high risk driver, high rates after DUI convictions or even denial of a claim. Whatever your reason, choosing a new insurance company is easier than you think.

The cheapest car insurance is definitely available from both online companies and also from your neighborhood Western Springs agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.