Top 5 Ways to Save Money on Car Insurance in Bolingbrook

Searching for affordable Bolingbrook car insurance on the web can be rather challenging for consumers not familiar with buying insurance online. Because there are so many companies competing online, how can Bolingbrook drivers even start to compare them all to find the best price?

Pricing more affordable car insurance coverage in Bolingbrook can be fairly easy. If you have a policy now or are just looking to switch companies, you can learn to cut your premiums and still get good coverage. Illinois consumers only need to know how to compare rates on the web.

Don’t overlook these 5 discounts

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few must be specially asked for before you will receive the discount. If you aren’t receiving every discount possible, you are throwing money away.

Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
Club Memberships – Belonging to a professional or civic organization could qualify you for a break on your policy.
Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
Bundle and Save – If you have multiple policies with one company you will save up to 20% off your total premium.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

For a list of companies with discount car insurance rates in Illinois, click here.

How to Compare Bolingbrook Car Insurance Costs

Finding cheaper car insurance prices can be quick and easy. Consumers just need to take a couple of minutes to compare rate quotes provided by online insurance companies. This can be accomplished in several different ways.

Probably the best way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing separate quotes for every car insurance company. One simple form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.
Another way to find lower rates is to manually visit the website for every company you want to comare to complete a price quote. For example, let’s assume you want to compare rates from USAA, Allstate and GEICO. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in Bolingbrook, click here.

Whichever method you choose, make absolute certain that you use exactly the same information with each company. If you are comparing different values for each quote it’s not possible to make an equal comparison in Bolingbrook.

Is my situation unique?

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation might need professional guidance. car insurance image

Are my tools covered if they get stolen from my vehicle?
Is my vehicle covered for flood damage?
When would I need additional glass coverage?
Should I file a claim if it’s only slightly more than my deductible?
What if I total my vehicle and owe more than it’s worth?
Should I drop comprehensive coverage on older vehicles?
Will my rates increase for filing one claim?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (20/40/15), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses like funeral costs, dental work, nursing services and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair costs for stationary objects, structural damage, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible. Illinois requires minimum liability limits of 20,000/40,000/15,000 but you should consider buying higher limits.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, a tree branch falling on your vehicle, theft and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

In conclusion

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an insured cut physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price while still protecting your assets.

Insureds who switch companies do it for any number of reasons including high prices, lack of trust in their agent, denial of a claim or high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

Affordable car insurance is attainable both online and also from your neighborhood Bolingbrook agents, and you should be comparing both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.