Shop For Naperville Illinois Auto Insurance Cheaper With These Proven Techniques

Overwhelmed by the dozens of auto insurance options in Naperville? You’re not the only one! Drivers have so many options that it can turn into a big hassle to find the perfect company for you.

How to Get Cheap Auto Insurance in Naperville, Illinois

There are several ways to get quotes from local in Naperville, Illinoisauto insurance companies. The easiest way to compare insurance prices consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for repetitive form submissions for each company you want a rate for. One quote request gets you coverage quotes from several companies.It’s the quickest way to get rates.
  • A different way to analyze rates requires a visit to the website for each individual company and request a quote. For sake of this example, we’ll pretend you want comparison quotes from USAA, Safeco and Liberty Mutual. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in Naperville, click here.

  • The least efficient way to get comparison rates is to spend your day driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you want the trained guidance of a local agent. You can, however, obtain prices from the web but buy from a local insurance agent and you’ll learn how to do that later.

Whichever method you choose, ensure you’re using apples-to-apples deductibles and coverage limits for each price quote. If you compare mixed coverages you will not be able to find the best deal in Naperville. Just a small difference in insurance coverages can result in a big premium difference. And when quoting auto insurance, remember that quoting more provides better odds of finding the best price.

Cut your premium with discounts

Companies offering auto insurance don’t list every available discount in an easy-to-find place, so the following is a list of both the well known as well as the least known auto insurance savings.

  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less than less cautious drivers.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

To choose companies with discount auto insurance rates in Illinois, click here.

Situations that might require an agent

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Who is covered when they drive my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How do I file an SR-22 for a DUI in Illinois?
  • Should I put collision coverage on all my vehicles?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Some additional reading

More detailed Illinois auto insurance information can be found at the Illinois Department of Insurance website. Illinois drivers can discover disciplinary actions, read consumer alerts, read industry bulletins, and read state legal mandates and laws.

Other informative sites include this site for auto insurance information in Illinois and this link where you can get more info about Naperville auto insurance.