7 Discounts Zion Drivers Forget when Quoting Car Insurance

Have you had enough of scraping the payment together each month for car insurance? You are in the same boat as the majority of other car owners in Illinois. Companies like GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and find the best price available.

It's important to price shop coverage before your policy renews since rates are constantly changing. If you had the best price a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you're about to find out one of the easiest ways to lower your rates without sacrificing coverage.

If you are insured now or need new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Finding affordable coverage in Zion is easy if you know what you're doing. Illinois vehicle owners just need to know the best way to compare rates online.

Cheap Zion Car Insurance Comparisons

Cutting your Zion car insurance rates can be surprisingly simple. Consumers just need to take time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • The recommended way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quotes for each company. In just a few minutes this one form will return price quotes instantly.
  • A different way to shop for car insurance online consists of visiting each individual company website and request a quote. For instance, let's assume you want rates from , and . You would have to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Zion, click here.
  • The least recommended way of comparing rate quotes is to spend your day driving to different Zion agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice of a licensed agent. However, consumers can get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It's up to you which method you use, but ensure you're using exactly the same deductibles and coverage limits with every price quote. If you are comparing different values for each quote it's not possible to find the best deal in Zion.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be manually applied prior to getting the savings. If you aren't receiving every discount available, you're paying more than you need to.

  • Homeowners Pay Less - Owning a house in Zion can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • No Claims - Claim-free drivers can save substantially as compared to bad drivers.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Anti-theft System - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

To see a list of companies with the best car insurance discounts in Zion, click here to view.

Much more information about car insurance in Illinois can be found on the website for the Illinois Department of Insurance located here. Consumers can report car insurance fraud, read industry bulletins, download brochures, and read consumer alerts.