Consumer Tested Strategies to Save on Morton Car Insurance

Having to pay for overpriced car insurance can empty your savings account and force you to prioritize other expenses. Comparing price quotes is a smart way to help make ends meet. Multiple compete for your business, and because of this it can be hard to compare and get the definite lowest rate

If you are insured now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Finding the best rates in Morton is quite easy. Illinois drivers only need an understanding of the most effective way to shop for car insurance online.

These discounts can lower your rates

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked for prior to getting the savings. If they aren't giving you every credit you deserve, you're paying more than you need to.

More Vehicles More Savings - Buying coverage for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
Senior Citizens - Mature drivers can possibly qualify for reduced rates.
Accident Free - Drivers who don't have accidents pay less when compared with bad drivers.
Defensive Driving Course - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Student in College - Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
Discount for Life Insurance - Larger companies have lower rates if you buy a life insurance policy as well.
Paperless Signup - Certain companies may give you up to $50 simply for signing on their website.

Consumers should know that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies don't profit that way. Any qualifying discounts will cut the cost of coverage.

To see a list of insurers with the best car insurance discounts in Morton, follow this link.

Free Quotes for Car Insurance in Morton, Illinois

Most companies such as Allstate, GEICO and Progressive quote pricing online. Obtaining pricing is pretty easy as you just enter your coverage information as detailed in the form. Once you submit the form, the system will obtain credit information and your driving record and provides a quote determined by many factors. Online price quotes makes comparing rates easy, but the work required to visit a lot of sites and complete many quote forms can be a bit repetitive. But it's very important to do this if you are searching for better car insurance pricing.

There is an easier way!

The preferred way to locate the lowest prices makes use of a single form to get prices from several different companies. The form is fast, eliminates form submissions, and makes online quotes much easier. Immediately after submitting the form, it is quoted and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and may result in a nice savings.

In order to find out what other companies charge, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This makes sure you will have a fair comparison based on the exact same insurance coverage.

Why some people pay less for insurance in Morton

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what determines base rates allows you to make educated decisions that could result in lower car insurance prices.

Increase deductibles and save - Your deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, vandalism, or theft. The more expense you're willing to pay, the bigger discount you will receive.
Men fork out a little more - Statistics have proven that men are more aggressive behind the wheel. However, don't assume that women are better drivers. Women and men are in accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.
Rates may be higher depending on your occupation - Occupations such as real estate brokers, architects and accountants tend to pay higher rates than average because of job stress and lengthy work days. On the flip side, occupations such as pilots, athletes and the unemployed have the lowest average rates.
Do you need the policy add-ons? - There are a lot of add-on coverages that you can get tricked into buying when buying car insurance. Coverages like rental car reimbursement, accidental death and motor club memberships are examples of these. They may seem good when you first buy your policy, but if you don't need them get rid of them and save.
Mature drivers pay less - More mature drivers are more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers tend to get distracted easily when driving therefore car insurance rates are much higher.

Different people need different coverages

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you would benefit from professional advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?
Should I rate my vehicle as pleasure use or commute?
What are Illinois no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Illinois?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Are you falling for claims of savings?

Consumers in Illinois can't get away from ads for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you move to them.

How do they all claim to save you money?

All companies have a preferred profile for the type of driver that is profitable for them. A good example of a profitable customer might be a mature driver, insures multiple vehicles, and drives newer vehicles. Any driver who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile must pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save money. This is how insurance companies can confidently claim big savings.

This illustrates why drivers must get quotes from several different companies. You cannot predict which insurance companies will give you the biggest savings.

And the best car insurance company is...

Cost effective car insurance is definitely available both online and with local Morton insurance agents, and you need to price shop both to have the best rate selection. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and discovered at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Additional car insurance information can be read on the website for the Illinois Department of Insurance located here. Visitors are able to report car insurance fraud, learn about insurance regulations, read industry bulletins, and discover disciplinary actions.