Pricey auto insurance can consume your checking account and force you to make tough financial choices. Comparing cost estimates is free and is an excellent way to cut your insurance bill.
Lots of insurance companies contend for your business, and because of this it can be hard to compare car insurance companies to get the lowest rate possible.
If you have a current auto insurance policy or need a new policy, you can learn to get lower rates and possibly find even better coverage. Choosing the best insurance company for you in Woodridge is quite easy. Illinois vehicle owners just need to learn the proper methods to compare prices online.
Buy Woodridge auto insurance online
Finding more affordable Woodridge auto insurance quotes is an easy way to save money. The only thing you need to do is take the time comparing to see which company has . Shoppers can get rates by following the guidelines below.
Without a doubt, the easiest way to get quotes for comparison is a comparison rater form click to view form in new window. This quick form eliminates the need for separate forms for every company. Just one form compares rates from all major companies.
A slightly less efficient method to analyze rates is going to the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want to view quotes from Geico, Allstate and GMAC. In order to compare rates, you need to spend time on each company’s site to input your insurance information, which is not fast way to get rate quotes.
For a handy list of car insurance company links in Woodridge, click here.
Compare rates however you want, just make sure you use the same quote data for each price quote. If you compare unequal deductibles or liability limits then you won’t be able to find the best deal in Woodridge.
Are you qualifying for every discount?
Car insurance companies do not list every policy discount in an easy-to-find place, so the following list contains both the well known as well as some of the hidden discounts that may be available. If you aren’t receiving every discount available, you are paying more than you should be.
- Telematics Devices – Insureds who allow driving data submission to track where and when they drive remotely such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.
- Responsible Driver Discounts – Drivers without accidents can pay as much as 50% less than drivers with accidents.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
- Safety Course Discount – Taking time to complete a course that instructs on driving safety could cut 5% off your bill depending on where you live.
- Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
- Federal Employees – Being employed by or retired from a federal job may reduce rates when you with some auto insurance companies.
- Include Life Insurance and Save – Select auto insurance companies reward you with a discounted price on car insurance if you buy a life policy as well.
- Homeowners Savings – Simply owning a home may trigger a policy discount on auto insurance since owning and maintaining a home shows financial diligence.
- Buy New and Save – Adding a new car to your policy is cheaper because newer vehicles have to meet stringent safety requirements.
- Low Mileage – Low mileage vehicles could earn better auto insurancerates on cars that stay parked.
A quick disclaimer, most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
A partial list of companies that may include some of the discounts shown above include:
Before you buy a policy, ask every prospective company how you can save money. Some discounts may not be offered in Woodridge. To view providers who offer online auto insurance quotes in Woodridge, click here.
When in doubt talk to an agent
When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you might need professional guidance.
- Are rental cars covered under my policy?
- Can I drive in Mexico and have coverage?
- Can I rate high risk drivers on liability-only vehicles?
- What happens if I owe more than my vehicle is worth?
- Do I need rental car coverage?
- Does liability extend to a camper or trailer?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
More tips and info about auto insurance is located at the Illinois Department of Insurance website. Illinois consumers can read state legal mandates and laws, learn about specific coverages, learn about insurance regulations, and read enforcement actions against agents and companies.
Learn about auto insurance coverages
Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.
Coverage for collisions
Collision insurance covers damage to your vehicle resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as colliding with a tree, hitting a mailbox, backing into a parked car, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.
Liability insurance
Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against things such as legal defense fees, medical services, loss of income, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Illinois state minimum liability requirements are 20,000/40,000/15,000 but it’s recommended drivers buy more liability than the minimum.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for bills such as pain medications, chiropractic care, X-ray expenses, doctor visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your vehicle.
Since a lot of drivers carry very low liability coverage limits (Illinois limits are 20/40/15), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive insurance
This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from a tornado or hurricane, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Better coverage you can count on
As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford and still be able to protect your assets.
Budget-friendly auto insurance is attainable both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get quotes online and most of the time these regional carriers sell through independent insurance agencies.