7 Ways to Save on Car Insurance in Westmont, IL

Nobody I know looks forward to paying for car insurance, particularly when their premiums are through the roof. Insurance companies such as GEICO and Progressive continually hit you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Senior Citizens - Older drivers may be able to get better car insurance rates.
  • Federal Employees - Simply working for the federal government can save as much as 8% depending on your company.
  • Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy digitally online.
  • Student in College - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of insurers who offer car insurance discounts in Westmont, click here to view.

Automobile Insurance Quotes in Westmont, IL

There are several ways to shop for car insurance, and some are easier and takes less work. You can waste hours talking to insurance agencies in Westmont, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each company returns a rated price. This saves time by eliminating form submissions to each individual car insurance company.

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

The only drawback to pricing coverage this way is you are unable to specify the companies you want pricing from. If you would rather choose specific providers to compare rates, we put together a list of car insurance companies in Illinois. Click to view list.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same coverage information with every price quote. If you compare unequal deductibles or liability limits it's not possible to find the best deal in Westmont.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your vehicles, there really is not a "best" method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether or not you would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Do I need PIP (personal injury protection) coverage in Illinois?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the financial responsibility laws in Illinois?
  • Does medical payments coverage apply to all occupants?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?

If you're not sure about those 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 go to this page to view a list of companies. It's fast, free and can help protect your family.

A tidy conclusion

Cheaper car insurance can be bought both online and also from your neighborhood Westmont agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.