Car Insurance in Sparta - 7 Discounts You Might be Losing Out On

Scraping up a payment for overpriced car insurance can drain your savings account and make it hard to pay other bills. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.

You have multiple to buy insurance from, and although it's a good thing to have multiple companies, having more makes it harder to compare rates.

It's important to do rate comparisons quite often since rates are constantly changing. Even if you got the lowest price a few years ago you will most likely find a better rate today. Block out anything you think you know about car insurance because we're going to demonstrate the only way to find the best coverage while lowering your premiums.

The purpose of this post is to help you learn the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. But Illinois car owners do need to know how companies price online insurance because it can help you find the best coverage.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but you may find discounts that many people don't even know exist. Some trigger automatically at the time of purchase, but less common discounts must be manually applied prior to receiving the credit.

Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Resident Student - Children who are attending college and do not have a car can receive lower rates.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Multi-policy Discount - If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
Clubs and Organizations - Belonging to a qualifying organization could qualify you for a break on your policy.
Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
Government Employees - Active or retired federal employment may qualify you for a discount with certain companies.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

Insurance agents can help

When it comes to buying the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique so your insurance needs to address that. For example, these questions may help you determine whether your personal situation would benefit from an agent's advice.

Do I need to file an SR-22 for a DUI in Illinois?
What are Illinois no-fault laws?
Do I need PIP (personal injury protection) coverage in Illinois?
Can I get a multi-policy discount for packaging my home and auto coverage?
Will I be non-renewed for getting a DUI or other conviction?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Do I have coverage for damage caused while driving under the influence?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Save $429 a year? Really?

Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads say the same thing that you'll save big if you switch to them. How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of driver that earns them a profit. For instance, a preferred risk could be between 25 and 40, insures multiple vehicles, and has a short commute. Any new insured who fits that profile will get very good rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be charged higher prices which usually ends up with business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save money. This is how companies can make the claims of big savings.

That is why you should quote coverage with many companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

Much more information about car insurance in Illinois is located on the website for the Illinois Department of Insurance. Click here for link. Consumers can file complaints about a company, read enforcement actions against agents and companies, read consumer alerts, and find out industry alerts.

Shop smart and save

You just learned many ways to reduce car insurance prices online. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. Drivers may discover the most savings is with a smaller regional carrier. Regional companies may only write in your state and offer lower rates compared to the large companies like .

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.