Fast, simple and reasonable, that’s what we look for in Illinois auto insurance quotes from http://illinois-insurance.website/illinois-auto-insurance-quotes/. That is probably why you are here—you know that we make comparing your options so easy that you will wonder why you ever went through lengthy phone calls or surfing randomly around the Internet.
Because “reasonable” often means “lower cost,” let’s start with explaining some of the discounts you might find.
Discount auto insurance
If you have been with your carrier a long time, you may well qualify for a customer loyalty discount. You might have to ask about this, but it could be worth your while. On the other side of things, you could get a new customer discount from a brand new carrier. Again, you cannot be afraid to ask about these things.
Bundling all your coverage under one carrier can bring significant savings. The amount varies across companies, which is why comparisons are so important. Some variations are unbelievably wide, which means you can take advantage of the lower priced carriers.
Suppose you have a teen and she or he is new behind the wheel. There is no more risky group than teenage drivers, so they do cost more to cover. You can avoid disclosing this to your carrier, because if you do you will be committing insurance fraud. But you can take advantage of some discounts available to the teen. First, if they take a course approved by the insurer—it might even be their school driver education course—some companies will give a discount. That is because anything that helps a teenager get more knowledge and improve their driving skills will reduce their risk.
Good students also qualify for a separate discount and this includes students who are 25 or under, so it’s broad.
Demographics and auto insurance
Until you age, it’s hard to realize that seniors– older drivers– are also considered high risk. With response time and skills decreasing over time, their accident rates are quite high. But there are a few refresher courses tailored to aging drivers and often, a carrier will provide a discount if a senior driver has successfully completed one of them.
Bottom line: carriers are concerned with risk. The lower your risk, the better your rate is going to be. So change what you can in your risk profile, and look for the best carrier fit for your needs.