Easy Tips to Pay Less on Winnetka Car Insurance

Buying affordable Winnetka car insurance over the internet is problematic for people who are new to price shopping online. With a ridiculous number of insurers to choose from, how can consumers even start to compare them all to find the cheapest available price?

car insurance in Winnetka

How to Get Cheap Car Insurance in Winnetka, IL

There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You can spend countless hours driving to agents in Winnetka, or you can utilize the web to get pricing more quickly.

The majority of car insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each participating company provides a quote determined by their information. This saves time by eliminating repetitive form submissions to each individual car insurance company. To submit your quote information now, click to open in new window.

The only drawback to doing it this way is you can't choose the providers to get pricing from. If you wish to select specific providers for rate comparison, we put together a list of low cost car insurance companies in Illinois. Click here for list of insurance companies in Illinois.

It's your choice how you get your quotes, but make sure you use the exact same coverages and limits for each price quote. If your comparisons have different deductibles it will be impossible to truly determine the lowest rate in Winnetka.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available that you may not even be aware of. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount. If they aren't giving you every credit you deserve, you're paying more than you need to.

  • Defensive Driver - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Air Bag Discount - Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

To see a list of insurers offering car insurance discounts in Winnetka, click here to view.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different.

For example, these questions can help discover whether or not you might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required Illinois minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?

If you're not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Learn more about car insurance in Illinois

Additional information is available on the Illinois Department of Insurance website through this link. Visitors are able to discover disciplinary actions, view agent and company licensing information, and file complaints about a company.