New Strategies for Buying Schaumburg, IL Auto Insurance for Less Money

People who are new to comparison shopping online could find shopping for the cheapest Schaumburg auto insurance very challenging.

You should make it a habit to shop coverage around occasionally due to the fact that insurance rates tend to go up over time. Even if you got the best deal six months ago you will most likely find a better rate today. So ignore everything you know about auto insurance because it’s time to teach you the right way to remove unneeded coverages and save money.

These discounts can slash auto insurance rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be inquired about prior to receiving the credit. If you don’t get every credit available, you’re just leaving money on the table.

• Bundle and Save – When you have multiple policies with one company you may earn at least 10% off all policies.
• Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
• Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than less cautious drivers.
• Claim Free – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
• Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
• Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.

It’s important to understand that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you can get free auto insurance, you won’t be that lucky. But all discounts will bring down your premiums.

To choose insurance companies offering auto insurance discounts in Illinois, follow this link.

When might I need the advice of an agent?

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can help discover whether you might need an agent’s assistance.

• When should I not file a claim?
• Is pleasure use cheaper than using my vehicle to commute?
• Should I buy only the required Illinois minimum liability coverage?
• Is my dog or cat covered if injured in an accident?
• Am I covered by my spouse’s policy after a separation?
• Is my vehicle covered for smoke damage?
• Is borrowed equipment or tools covered if stolen or damaged?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Additional auto insurance links

Much more information about auto insurance in Illinois is available on the Illinois Department of Insurance website. Click here for link. Illinois consumers can read consumer alerts, view agent and company licensing information, read enforcement actions against agents and companies, and find disaster information.

Best coverage at the best price

Insureds leave their current company for many reasons like extreme rates for teen drivers, poor customer service, lack of trust in their agent or unfair underwriting practices. It doesn’t matter what your reason, finding a new company is easier than you think.

We covered a lot of ways to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company.

Low-cost auto insurance can be bought on the web as well as from independent agents in Schaumburg, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and most of the time these smaller companies sell through independent agents.