Professional Tips to Paying Less for Palatine Illinois Auto Insurance

Nobody likes having to buy auto insurance, especially knowing the price is too high.

Lots of insurance companies contend for your business, and because of this it can be hard to compare insurers to get the best rates possible.

How to Get Palatine Auto Insurance Comparison Quotes

There are several ways you can shop for auto insurance but one way is less time-consuming than others. You could spend the better part of a day driving to insurance companies in Palatine, or you could save time and use online quoting for quick rates.

Many of the larger companies belong to an insurance system that enables customers to submit one quote, and each company can provide price quotes based on the submitted data. This prevents consumers from doing quote requests for each company.

To compare rates using this form now click here to open in new window.

The single downside to using this type of form is that you can’t choose which insurance companies to receive prices from. So if you want to select specific providers to compare rates, we have assembled a list of auto insurance companies in Illinois. Click to view list.

It doesn’t matter which method you choose, just double check that you are using exactly the same quote information for each price quote. If each company quotes different values for each quote you can’t possibly truly determine the lowest rate in Palatine. Quoting even small variations in limits could mean much higher rates. And when comparing auto insurance rates, know that comparing more company’s prices provides better odds of finding lower pricing.

Drivers who switch save $495 a year? Really?

State Farm, Allstate and GEICO regularly use ads on television and other media. All the companies make an identical promise that you can save if you move to their company. How does each company say the same thing? This is how they do it.

Insurance companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer might be over the age of 50, is a homeowner, and chooses high deductibles. A propective insured that hits that “sweet spot” will get very good rates and as a result will probably cut their rates substantially.Illinois insurance ad

Consumers who fall outside this ideal profile must pay higher premiums and ends up with business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That is how companies can truthfully advertise the way they do.

This illustrates why it is so important to get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest rates.

These discounts can lower your rates

Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Save with a New Car – Insuring a new car can save up to 30% compared to insuring an older model.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10%.
  • Safety Course Discount – Completing a driver safety course could save 5% or more if you qualify.
  • Low Mileage – Keeping the miles down could qualify for a substantially lower rate.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.

Drivers should understand that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will reduce the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts in Palatine, click here to view.

But buying car insurance online seems impersonal

Some consumers would rather sit down with an agent and that is a personal choice. One of the great benefits of comparing rates online is you may find lower rates and still have an agent to talk to. Buying from local insurance agencies is important particularly in Palatine.

By using this form (opens in new window), the quote information is immediately sent to insurance agents in Palatine who will give you bids for your insurance coverage. You won’t need to visit any agencies as quotes are delivered straight to your inbox. How cool is that?! You’ll get the best rates AND an agent nearby.

If you wish to contact a specific insurance agent in Palatine, please click here.

Choosing an insurer requires more thought than just the price. Any agent should have no problem answering these questions:

Palatine Illinois car insurance prices

  • Does the company allow you to choose your own collision repair facility?
  • Will your rates increase after a single accident?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they receive special compensation for putting your coverage with one company over another?

Upon getting satisfactory answers to these questions as well as a affordable price, you’ve probably found an provider that is a good match to adequately provide auto insurance.

Much more information about auto insurance in Illinois can be read on the website for the Illinois Department of Insurance through this link. Illinois consumers can read consumer alerts, discover disciplinary actions, and view a list of available companies.

Cheaper insurance is a realistic goal

Budget-conscious auto insurance can be found from both online companies in addition to many Palatine insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We just showed you a lot of information how to get a better price on auto insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the biggest savings come from some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.