Tested Techniques for Cheap Palatine, IL Auto Insurance

Comparison shopping for Palatine auto insurance is nearly impossible for beginners to comparison shopping online. You have so many options available that it can easily become a real challenge to locate the lowest price in Palatine.

Consumers need to get comparison quotes before your policy renews because rates are constantly changing. Even if you got the lowest price a couple years back you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because we’re going to show you how to use online quotes to properly buy coverages and cut your premium.

If you have insurance now or need new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Finding affordable auto insurance in Palatine is not that difficult. Illinois vehicle owners just need to learn the most effective way to shop their coverage around on the web.

Palatine Auto Insurance Comparisons

Performing a rate comparison is a ton of work if you don’t utilize the fastest way to get free quotes. You can spend countless hours driving to insurance companies in Palatine, or you can utilize online quotes to quickly compare rates.

All the larger companies take part in a program where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing quote requests for every auto insurance company.

To access this free quoting program, click here to start a free quote.

The one disadvantage to doing it this way is you are unable to specify which providers you want pricing from. If you prefer to choose specific providers to compare, we have a page of low cost auto insurance companies in Illinois. View list of Illinois insurance companies.

Whichever method you choose, ensure you’re using exactly the same coverages and limits on every quote you get. If you are comparing mixed coverages it will be impossible to determine the best price in Palatine. Palatine IL insurance cheap

Be sure to get all your discounts

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some must be manually applied before you will receive the discount. If they aren’t giving you every credit you deserve, you are throwing money away.

Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
Senior Citizens – Mature drivers may be able to get better auto insurance rates.
Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
Anti-theft System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
E-sign – Some insurance companies will give a small break simply for signing online.
Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Discount for New Cars – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

Keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts in Palatine, click here to view.

Save Money with These Tips

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Car features impact rates – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Older drivers pay less – Teen drivers in Illinois tend to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
Being married can save on auto insurance – Having a spouse helps lower the price on your policy. Having a spouse means you’re more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
Do you have a high stress job? – Occupations such as lawyers, architects and financial analysts have higher average rates because of high stress and long work days. Conversely, jobs such as pilots, engineers and the unemployed get better rates.
Where you live – Being located in small towns and rural areas can save you money when buying auto insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
Careful drivers pay lower rates – Only having one ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a guaranteed way to bump up your auto insurance costs. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.

How do I know if I need professional advice?

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation might need an agent’s assistance.

Is my business laptop covered if it gets stolen from my vehicle?
How do I file an SR-22 for a DUI in Illinois?
Can I rate high risk drivers on liability-only vehicles?
Does my policy cover my teen driver if they drive my company car?
Does liability extend to a camper or trailer?
Do I need special endorsements for business use of my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
How high should my uninsured/underinsured coverage be in Illinois?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

More information can be found on the Illinois Department of Insurance website through this link. Illinois drivers can find a variety of consumer forms, learn about specific coverages, and find out industry alerts.

Quote more, save more

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

Insureds change insurance companies for many reasons like extreme rates for teen drivers, high prices, delays in paying claims or high rates after DUI convictions. No matter why you want to switch, finding the right auto insurance provider can be pretty painless.

In this article, we presented a lot of ways to reduce auto insurance prices online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies.