Finding Cheap Harvey Auto Insurance

I can't think of anyone who likes having to buy auto insurance, especially knowing their premiums are too high.

Drivers have multiple to pick from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be inquired about prior to getting the savings.

Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Accident Forgiveness - Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
New Vehicle Savings - Insuring a new car is cheaper compared to insuring an older model.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will bring down the amount you have to pay.

Insurance agents can help

When it comes to buying the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique so your insurance needs to address that. For example, these questions might point out whether your personal situation would benefit from professional advice.

Am I covered when pulling a rental 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?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Save $429 a year? Really?

Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing that you can save after switching to their company. How does each company say the same thing? This is how they do it.

Different companies have a certain "appetite" for the driver that earns them a profit. For instance, a driver they prefer might be profiled as a mature driver, owns a home, and has great credit. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be quoted a more expensive rate which usually ends up with business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the savings.

This emphasizes why you should compare as many rates as you can. It's not possible to predict which company will fit your personal profile best.

More information is located on the website for the Illinois Department of Insurance. Click here for link. Illinois drivers can view a list of available companies, read consumer alerts, get help finding coverage, and file complaints about an insurance agent or broker.

Also read more on this page for auto insurance prices in Illinois and this page of Harvey insurance agents.

The best insurance company isn't always the cheapest

When you buy insurance online, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Affordable auto insurance can be sourced on the web and also from your neighborhood Harvey agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and these small, regional companies work with independent agents.