6 Simple Ways to Cut Car Insurance Costs in Alton, IL

Are you intimidated by the crazy number of car insurance choices in Alton? Lot's of other consumers are too. People have so many companies to choose from that it can turn into a real challenge to locate the lowest price.

It's important to price shop coverage every six months since rates are constantly changing. Just because you found the best price on your last policy there may be better deals available now. Ignore everything you know about car insurance because we're going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

Illinois car insurance

Take advantage of discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply when you complete an application, but less common discounts must be inquired about before they will apply.

  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Club Memberships - Being a member of a qualifying organization could trigger savings on your policy.
  • Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.
  • No Charge for an Accident - Certain companies allow you one accident without raising rates if you are claim-free for a set time period.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Drivers Education - Require your teen driver to take driver's ed class if offered at their school.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

For a list of providers with discount car insurance rates in Illinois, click this link.

Comprehensive Alton Car Insurance Comparison

There are several ways to get quotes from car insurance companies in your area. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished in a couple of different ways.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This form keeps you from doing separate quote forms for each company you want a rate for. Filling out one form gets you price quotes from many national carriers. Recommended for those who want to invest the least amount of time.

A more time consuming way to compare rate quotes requires a trip to each company website and complete a new quote form. For example, we'll pretend you want to compare rates from , and . To get each rate you have to visit each site to input your insurance information, which is why the first method is quicker. To view a list of companies in Alton, click here.

It doesn't matter which method you choose, just ensure you are comparing identical quote information on every quote. If you have mixed coverages then you won't be able to make a fair comparison in Alton. Having just a slight variation in coverages may result in large price differences. Just remember that comparing more company's prices helps locate a better price.

Shop smart and save

We just covered many ideas to get a better price on car insurance. It's most important to understand that the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the smallest insurance companies.

Cheaper car insurance can be sourced both online in addition to many Alton insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, never sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.