Pay Less for Cicero, IL Auto Insurance Rates in Five Minutes

Overpriced auto insurance can drain your savings account and force you to prioritize other expenses. Doing a price comparison is a smart way to tighten up your finances.

You have so many car insurance companies to insure vehicles with, and even though it’s nice to have a selection, too many choices makes it more difficult to find the lowest rates.

Shopping for the lowest cost coverage in Cicero is quite easy. Basically, anyone who carries auto insurance will be able to save money. Nevertheless, Illinois car owners must know how the larger insurance companies sell online.

These discounts can slash auto insurance rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specifically requested before they will apply.

  • Resident Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more if your company offers it.
  • Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will bring down the amount you have to pay.

How to Get Cicero Auto Insurance Comparison Quotes

Most major insurance companies like Allstate, GEICO and Progressive give coverage price quotes online. This process is quite simple as you just enter your required coverages as requested by the quote form. Upon sending the form, their rating system automatically orders your driving record and credit report and generates pricing information based on these factors. Quoting online streamlines rate comparisons, but having to visit each company’s website and repetitively fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this in order to find the lowest auto insurance rates.

There is a better way!

The smarter way to compare auto insurance pricing is to use a quote form that obtains quotes from many companies. The form is fast, requires less work, and makes online price comparison much more efficient. As soon as the form is sent, it is quoted and you can select your choice of the price quotes you receive.

If you find a better price you can click and sign and purchase coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

If you want to compare pricing, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. Using the same limits helps guarantee you will have comparison quotes using the same coverage and limits.

Get Cheaper Rates by Understanding Pricing

It’s important that you understand the factors that come into play when calculating your auto insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with big quote Cicero

  • Older drivers save more – Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers are known to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
  • Do you know you’re credit rating? – Your credit history is a large factor in calculating your auto insurance rates. Therefore, if your credit history is not that good, you could be paying less to insure your by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Where you live can impact rates – Choosing to live in small towns and rural areas can be a good thing when insuring your vehicles. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated Illinois areas regularly have much more traffic to deal with and longer commute times. Higher commute times means more change of being in an accident.
  • Do you have a high stress job? – Careers like lawyers, architects and accountants have higher rates than average in part from stressful work requirements and lengthy work days. On the flip side, occupations like scientists, athletes and retirees get better rates.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem good when talking to your agent, but if you don’t need them remove them from your policy.
  • Liability insurance protects assets – Liability coverage is the protection if you are found liable for personal injury or accident damage. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.

But I don’t know anything about car insurance

When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Why is insurance for a teen driver so high in Cicero?
  • What is the difference between comprehensive and collision coverage?
  • What can I do if my company won’t pay a claim?
  • What discounts do I qualify for?
  • Do I pay less if my vehicle is kept in my garage?
  • How high should my medical payments coverage be?
  • Should I buy only the required Illinois minimum liability coverage?
  • Do I need motorclub coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Buying auto insurance from a local agent

Certain consumers would rather visit with an insurance agent and that is a personal choice. One of the best bonuses of price shopping on the web is that you can obtain the best rates and still have an agent to talk to. And providing support for small agencies is important especially in Cicero.

Upon completion of this quick form, your insurance coverage information is emailed to local insurance agents in Cicero who will give you bids for your insurance coverage. There is no reason to visit any agencies since price quotes are sent directly to your email. It doesn’t get any easier! You’ll get the best rates and work with a local agent.

Cicero auto insurance agents come in two flavors

When looking for a good Cicero insurance agent, there are two types of agencies that you can select. Insurance agencies in Cicero are classified as either captive or independent.

Independent Insurance Agents

Independent agencies are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.

When searching for an agent, we recommend you get quotes from at a minimum one independent agency for maximum quote selection.

The following are independent insurance agencies in Cicero that can give you pricing information.

Ecomex Auto Insurance Inc – 6129 W Cermak Rd – Cicero, IL 60804 – (708) 652-9752
Corona Insurance – 5132 25th – Cicero, IL 60804 – (708) 222-6799

Captive Insurance Agents

Captive insurance agents can only write with one company like AAA, State Farm, Farmers Insurance and Allstate. They are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agencies are very knowledgeable on the products they sell which can be an advantage.

The following is a list of captive insurance agents in Cicero that are able to give price quotes.

insurance quote Cicero

American Family Insurance – 5003 W Cermak Rd – Cicero, IL 60804 – (708) 656-2760
Allstate Insurance – 2231 S Laramie Ave – Cicero, IL 60804 – (708) 222-1900

To view a complete directory of Cicero captive insurance agencies, please view this page.

Choosing an auto insurance agent should depend on more than just the price. Ask your prospective agent these questions:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Which members of your family are coverage by the policy?
  • Are you getting all the discounts the company offers?
  • How long has their agency been in business in Cicero?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Can glass repairs be made at your home?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

Upon receiving reasonable responses to all your questions and a good coverage price, you’ve probably found an insurance agent that meets your needs to adequately provide auto insurance.

One last thing

In this article, we covered some good ideas how you can shop for auto insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. In many instances, an accident victim reduced physical damage coverage to discover at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at an affordable rate.

For more reading

Additional auto insurance information is available on the website for the Illinois Department of Insurance through this link. Visitors are able to find disaster information, find out which companies have the most complaints, and report car insurance fraud.