New Tricks for Spending Less for on Springfield Car Insurance

New Tricks for Spending Less for on Springfield Car Insurance

Are you overwhelmed by the sheer number of car insurance company choices in Springfield? You’re not the only one! Consumers have so many options that it can be a lot of work to compare prices.

It’s important to do rate comparisons once or twice a year because rates fluctuate regularly. Just because you had the best price six months ago you will most likely find a better rate today. There is too much inaccurate information about car insurance on the web, but by reading this article, you’re going to learn a lot of great tips on how to slash your car insurance rates.

If you are insured now or need a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding the best coverage in Springfield is simple if you know the tricks. Illinois drivers just need to understand the proper methods to compare prices on the web.

How to Compare Car Insurance Quotes in Springfield, IL

Most companies like State Farm, GEICO and Progressive quote prices for coverage on the web. This process is quite simple as you simply enter your required coverages into the quote form. Upon sending the form, their rating system will obtain your credit score and driving record and returns pricing information based on many factors.

This makes comparing rates easy, but having to visit different websites and complete many quote forms can be a bit repetitive. But it is imperative to perform this step in order to get a better rate.

Compare rates the easy way

A less time-consuming method to compare car insurance pricing requires only one form to get prices from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process only takes a few minutes and you’ll know if lower rates are available.

To compare rates now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you copy the coverages identical to your current policy. Doing this assures you will be getting a fair comparison for exact rates in Illinois

Online quotes with a local Springfield insurance agent

Certain consumers prefer to visit with an insurance agent and that is OK! Good agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is the fact that you can find lower rates but also keep your business local.

After filling out this simple form, the coverage information is instantly submitted to insurance agents in Springfield who will battle for your insurance coverage. You won’t need to leave your house since price quotes are sent to the email address you provide. How’s that for easy!

Selecting an provider needs to be determined by more than just a cheap price. Any agent should be forthright in answering these questions:

  • Do they feel the quoted coverages are adequate?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they review policy coverages at every renewal?
  • Do the companies they represent have a solid financial rating?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Choose an insurance agent wisely

When researching a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent (non-captive). Either one can insure your vehicles, but it’s worth mentioning how they differ because it can impact your selection of an agent.

Captive Insurance Agents

These agents write business for a single company such as State Farm or Allstate. They generally cannot shop your coverage around so they are skilled at selling on more than just price. These agents are well schooled on the products they sell which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents mainly due to the brand legacy and strong financial ratings.

Listed below is a list of captive insurance agencies in Springfield who may provide you with price quotes.

  • Illinois Farm Bureau – 600 S 2nd St # 101 – Springfield, IL 62704 – (217) 544-4390
  • Farmers Insurance Group – 925 Clock Tower Dr – Springfield, IL 62704 – (217) 546-1301
  • State Farm Insurance – 3740 Wabash Ave # C – Springfield, IL 62711 – (217) 698-2900
  • Allstate Insurance – 1216 S Macarthur Blvd – Springfield, IL 62704 – (217) 789-1600
  • Liberty Mutual Insurance – 2050 W Iles Ave # D – Springfield, IL 62704 – (217) 787-8585
  • American Family Insurance – 225 N Bruns Ln – Springfield, IL 62702 – (217) 793-1511
  • Shelter Insurance – 1405 Stevenson Dr # 3 – Springfield, IL 62703 – (217) 529-5585
Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.

When comparison shopping, you should always get quotes from multiple independent agents to get the best comparison.Many can place coverage with lesser-known insurance companies which can save you money.

Below is a short list of independent insurance agencies in Springfield that are able to give comparison quotes.

compare rates in Illinois

  • Jeff Dehner Agency Inc – 2315 S 1st St – Springfield, IL 62704 – (217) 523-5421
  • Allan R Hamilton Agency – 1037 S 4th St – Springfield, IL 62703 – (217) 528-4400
  • Country Insurance and Financial – 983 Clock Tower Dr – Springfield, IL 62704 – (217) 698-0616
  • Thomas C Hardy Insurance Inc – 924 Clock Tower Dr – Springfield, IL 62704 – (217) 787-1727
  • Sullivan Agency – 2009 Briar Ct – Springfield, IL 62704 – (217) 241-1940

To view a full list of Springfield insurance agents, visit this site.

After receiving answers to your satisfaction to any questions you have and locked in a price quote, it’s possible that you found an insurance agency that is a good match to properly service your car insurance policy.

For more Illinois car insurance information

More detailed Illinois car insurance information is available at the Illinois Department of Insurance website. Illinois drivers can view agent and company licensing information, download brochures, and find disaster information.

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