Spending Too Much for Car Insurance in Decatur? Here’s How to Save!
Finding low-cost Decatur car insurance on the internet can seem to be intimidating for people who are new to buying insurance on the web. Since there are so many choices, how can anyone have a chance to compare them all to find the best price?
It’s important to take a look at other company’s rates occasionally because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best price six months ago you may be paying too much now. Starting right now, ignore everything you know about car insurance because I’m going to teach you one of the quickest ways to save on car insurance.
How to Compare Car Insurance in Decatur, Illinois
When shopping for car insurance there are multiple ways to compare rate quotes from local in Decatur, Illinoiscar insurance companies. The recommended way to find competitive insurance rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.
The fastest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do separate quote forms for each company. One form will get you rate comparisons from several companies. It’s the fastest way to compare.
A less efficient way to analyze rates is going to each company website and fill out their own quote form. For sake of this example, we’ll assume you want rates from Farmers, Safeco and Allstate. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular.
For a handy list of car insurance company links in Decatur, click here.
The hardest way to get comparison rates is driving around to insurance agents’ offices. Shopping for car insurance online has reduced the need for local agents unless you require the professional advice only provided by licensed Decatur agents. However, consumers can find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.
Whichever way you use, double check that you are using the exact same coverages for every quote you compare. If you enter differing limits then you won’t be able to truly determine the lowest rate in Decatur. Having just a slight variation in coverage limits could mean much higher rates. It’s important to know that getting more free quotes will improve the odds of getting the best price.
These discounts can slash car insurance rates
Car insurance companies don’t list all available discounts in an easy-to-find place, so we break down some of the more common and the more hidden ways to save on car insurance.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
- Multiple Policy Discount – When you have multiple policies with one company you may earn at least 10% off all policies.
- Own a Home – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
- Lower Rates for Military – Having a deployed family member can result in better rates.
- Paperless Signup – Some insurance companies may give you up to $50 for buying your policy over the internet.
- Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.
To choose companies offering car insurance discounts in Decatur, follow this link.
It’s not one size fits all
When choosing the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.
These are some specific questions can help discover if your insurance needs might need professional guidance.
- How do I file an SR-22 for a DUI in Illinois?
- Can I afford low physical damage deductibles?
- Is business equipment covered while in my vehicle?
- What is the minimum liability in Illinois?
- What companies insure drivers after a DUI or DWI?
- What if I don’t agree with a claim settlement offer?
- When should I remove comp and collision on my vehicle?
- Does coverage extend to a rental car in a foreign country?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.
More tips and info about car insurance can be read at the Illinois Department of Insurance website. Illinois drivers can view a list of available companies, find out industry alerts, discover disciplinary actions, and learn about insurance regulations.
The following information may also be useful.