Top 7 Ways to Save on Car Insurance in Winfield, IL

Tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other drivers in Illinois.

With consumers having so many insurance companies to choose from, it's nearly impossible to pick the lowest price provider.

It's important to compare rates before your policy renews since rates are constantly changing. Even if you think you had the best price a year ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you're about to learn how to quote online to reduce your cost while improving coverage.

Finding affordable coverage in Winfield is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Nevertheless, Illinois consumers do need to know how companies market insurance on the web and apply this information to your search.

How much can you save with these seven discounts?

Companies don't necessarily list every available discount very well, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • Multi-policy Discount - When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
  • No Accidents - Claim-free drivers can save substantially compared to bad drivers.
  • Safety Course Discount - Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Life Insurance - Larger companies have a break if you buy auto and life insurance together.
  • E-sign - A handful of insurance companies may give you up to $50 simply for signing online.
  • One Accident Forgiven - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.

It's important to understand that most discounts do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way.

To see a list of providers with discount car insurance rates in Illinois, click here to view.

Winfield car insurance quote

Cheap Winfield Car Insurance Comparisons

There are several ways you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in Winfield, or you could save time and use the internet to get the quickest rates.

Many insurance companies belong to an insurance system that allows shoppers to complete one form, and each participating company can give them a price determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you cannot specify which carriers you want to price. So if you prefer to pick specific insurance companies to compare rates, we have a listing of car insurance companies in Illinois. Click here to view list.

It's your choice how you get your quotes, but ensure you're using apples-to-apples coverage limits on every quote you get. If your comparisons have differing limits it's impossible to determine which rate is truly the best in Winfield. Quoting even small variations in coverage limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes provides better odds of finding better pricing.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make an identical promise of big savings if you change to their company. But how can every company claim to save you money?

All the different companies can use profiling for the driver that is profitable for them. For example, a preferred risk might be between 25 and 40, is a homeowner, and has excellent credit. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will be charged a higher premium and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently make those claims. That is why drivers must get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

Final considerations

While you're price shopping online, do not reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage only to discover later they didn't purchase enough coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Low-cost car insurance is attainable both online and also from your neighborhood Winfield agents, so you should compare both to have the best selection. Some companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Learn more today

More tips and info about car insurance can be found at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, read industry bulletins, discover disciplinary actions, and find out industry alerts.

Additional helpful sites include Wikipedia and this Winfield agent directory.