How to Keep Your Illinois Auto Insurance Premiums Low

You must have car insurance to drive in any state across the country. You must carry liability insurance but each state has its own minimum requirements. The liability insurance is there to protect you and the person or people you may be involved in an accident with. For Illinois auto insurance you must carry the following liability levels at a minimum:

  • $25,000 to cover the injuries  or death of an individual or pedestrian who isn’t a member of your household
  • $50,000 to cover the injuries or death for all involved in the accident as long as they are not a part of your household
  • $25,000 to cover any damages to the car of the other person involved in the accident as well as any other forms of property that may be damaged, such as utility poles, trees, fences, signs, or buildings.

You are also required to carry uninsured motorist bodily injury coverage with your Illinois auto insurance policy and underinsured motorist bodily injury coverage. This coverage is there to pay the expenses you may incur for bodily injuries that were the result of a driver who is at fault and has no insurance or a hit-and-run driver. You must also have $25,000 bodily injury limits for each person and $50,000 for the accident. If the driver has insurance but not enough, your underinsured motorist bodily injury coverage will pay the difference.

Now that you know what your policy must have to be able to drive in the state of Illinois, here are some ways to keep your costs of insurance low. Check with your insurance agent about any discounts that they offer. You may be surprised to know that you can save some money just by paying your entire premium at one time rather than breaking it down month by month.

If you have a good credit score you may be able to enjoy some extra savings. In some states it is against the law to use a person’s credit score to determine their insurance premiums. Bundling your insurance policies can also lower your rates. Have the same insurance company provide you with health insurance, life insurance or homeowners insurance if they offer it.
Keeping your driving record in good shape will also help to keep your Illinois auto insurance premiums low. In fact you may be able to get a discount for being a good driver. If your car has an anti-theft system installed you should let your agent know so if they have a discount you may qualify

How to acquire fantastic Ohio auto insurance quotes in no time

Ohio auto insurance quotes are, without a doubt, one of the most important auto-related searches you can undertake as a citizen of the Buckeye state.  You need to make sure your car is protected, and that you yourself are protected from exorbitant costs.  For the former you need Ohio auto insurance, and for the latter you need Ohio auto insurance quotes.  Here, then, are a few tips and tricks to make the process of finding quality protection all the easier—and quicker.

One of the biggest problems with regards to getting Ohio auto insurance quotes is the time involved.  To be fair, assessing the nature of auto insurance and judging the potential cost to you is no easy task, and it’s definitely something you want the estimators to take their time on and not rush through.  That being said, chances are you can’t exactly wait around forever for a quote—you have a job, a family, and errands to run, to say nothing of a social life.

As such, you’re going to want to be somewhat selective when choosing Ohio auto insurance quotes but not too choosy.  If a company is taking forever to send you a quote or estimate, and you’ve already asked them for one several times over, chances are that company isn’t altogether reliable, and you’d be better off looking for more trustworthy—and expedient—options.  On the other hand, you can’t turn your nose up at every last company you find, either.

A good rule of thumb is to look for the median turnaround time or better, or else the median cost charged to you or lower.  You can find these by searching out independent “evaluator” sites online.  These sites tend to use algorithms as well as market research to compare the different prices, times, and all manner of other data from different companies for the purpose of providing the most accurate portfolio of said companies, allowing you to choose the one that best fits your own individual needs.  

Finally, don’t be afraid to be persistent and call or follow-up with a company if they’ve promised you an estimate and have yet to get back to you—while follow-ups are sometimes brushed off by bigger companies, it can’t hurt, and you deserve at least as much attention as that.

Follow these steps, and chances are good that you’ll have fantastic Ohio auto insurance quotes in no time.

Want to know the fastest way to get the best New York auto insurance quotes?

If you’re looking for the very best New York auto insurance quotes you can find – the kind of quotes that offer you the complete and comprehensive coverage you deserve at a price point that you feel comfortable paying – you’ve probably discovered that the process is a little bit more challenging than most people make it out to be.

Not only are there a lot of different options to pick and choose from as far as coverage packages are concerned, but there’s also a lot of different insurance companies offering multiple coverage packages – each of them at a different price point – that really makes the decision making process harder than it probably should be.

Thankfully, it is possible to get your hands on the best New York auto insurance quotes in record time. You just need to know how to do it.

The Internet is definitely going to be helpful when hunting for New York auto insurance quotes…

The Internet makes it almost effortless to do an amazing amount of research, and you are definitely going to want to take advantage of this amazing technological breakthrough – maybe the most important invention in human history – as much as possible when searching for New York auto insurance quotes.

Google is going to be your best friend as you look at all of the different packages that all of the different insurance companies servicing the New York area offer, and you want to be sure that you record as much of that information as you can.

… But nothing beats the telephone!

At the same time, it’s important to understand that you aren’t going to be able to beat the telephone as far as getting your hands on the best New York auto insurance quotes in the shortest amount of time is concerned.

Sure, Google is going to return a million or more results in less than a single second, but New York insurance agents that you’re speaking to on the phone are going to be able to give you their rock-bottom prices that might not be available on their website – deals and discounts that you never would have uncovered without speaking to a human directly.

That’s why you’ll want to pick up the phone and contact any of the insurance companies you are interested in working with, for no other reason than to simply confirm the prices on the coverage packages that you uncovered looking for New York auto insurance quotes online.

You might be surprised by the savings that you unlock!