Cheap Insurance

While everyone wants to get the best possible insurance coverage for their vehicle at the lowest possible cost, really cheap insurance may not give you the coverage you need to protect your vehicle and yourself. There are a number of factors that affect your individual auto insurance:

• Gender
• Age
• Marital status
• Driving record
• Type of vehicle

Tracking Down Cheap Insurance for Your Auto

Here are a few suggestions for obtaining the lowest possible auto insurance rates:

1. Find out exactly what your insurance rates will be before you buy that slick new car. Some cars come with higher insurance rates regardless of their actual cost. Check with an independent Illinois Insurance Center agent for the rates on any car you are planning to buy.

2. Get quotes from more than one insurance company. Companies that offer you only their own insurance may not be able to get you the best cheap insurance. At Illinois Insurance Center, we represent many insurance companies so we are able to get you the best coverage at the best prices. We shop around so you don’t need to!

3. If the car you drive is worth less than $3,000, you may want to consider dropping collision and comprehensive coverage. This could save you a lot of money each year.

4. Consider a higher deductible for your car. A deductible is the amount of money you pay on any claim before your insurance “kicks in”. A higher deductible could mean a saving of at least 30%. Just remember that you will need to have the money to pay for any repairs needed should you be involved in a car crash.

5. Exclude high-risk/high-cost drivers from your policy. If your teen-aged children will not be driving the vehicle, exclude them from your policy.

6. Indicate any part-time drivers; this may be applicable if you have a young driver who is away at school or in the military.

7. Keeping your credit scores high will make it easier for you to obtain cheap insurance or at least cheaper auto insurance.

Shopping for Chicago cheap insurance for your car can be intimidating. We will automatically quote our customers the state requirements unless they ask for the higher limits. To protect yourself and your car, call the friendly and knowledgeable professionals at Illinois Insurance Center at (866) 910-2601.

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