Learn How to Compare Addison Illinois Car Insurance Like an Informed Consumer

Feel like you’re a prisoner to overpriced car insurance? Believe me, there are many Addison drivers thinking the same thing. Big-name insurance companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

You should make it a habit to check car insurance prices at least once a year since rates change quite often. Even if you think you had the best deal a couple years back you will most likely find a better price today. Block out anything you think you know about car insurance because you’re about to learn one of the best ways to eliminate unnecessary coverages and save money.

Effectively comparing car insurance prices can take hours if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) driving to insurance agencies in Addison, or you could save time and use the web to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company provides a quote based on that information. This eliminates the need for quotation requests for every car insurance company.

To use this form to compare rates click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify which companies to get quotes from. So if you prefer to pick from a list of companies to compare prices, we put together a list of the cheapest car insurance companies in Illinois. Click here to view list.

Whichever way you use, try to keep identical quote information on every quote you get. If the quotes have higher or lower deductibles it will be next to impossible to find the best deal in Addison. Having just a slight variation in coverage limits could skew the results. It’s important to know that making a lot of price comparisons gives you a better chance of getting lower pricing.

Car insurance can be complex

When it comes to buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • Is pleasure use cheaper than using my vehicle to commute?
  • How do I file an SR-22 for a DUI in Illinois?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Additional information can be found on the website for the Illinois Department of Insurance. Click here for link. Visitors are able to learn about specific coverages, view a list of available companies, and report car insurance fraud.

Also read more on Wikipedia and CarInsuranceDIY.com.