Buying car insurance in Illinois has never been easier, thanks to the Internet. There are many auto insurance websites to choose from, offering a variety of coverage and prices.
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Buying car insurance in Illinois has never been easier, thanks to the Internet. There are many auto insurance websites to choose from, offering a variety of coverage and prices.
Being the wormhole that it can be, however, the Internet can also be a confusing place to shop for auto insurance with too many choices to overwhelm a buyer. What is the best way to shop for auto insurance, especially auto insurance in Illinois, where liability insurance is required? There are a few ways to shop online:
Don’t limit the search
Going with just one or two online searches for car insurance in Illinois will negate one main reason to shop online -- for the many choices available. Take the time to get a third or fourth quote, and even a fifth quote. You can start by getting a quote online and then having an agent call you, or you can still get the price quote online and continue buying the policy online.
Go small
What small auto insurance agencies have over large ones is that they spend millions less in advertising, and can pass the savings on to customers, and they offer a choice of many insurance companies.
Check with an agent
Auto insurance agents can offer rates online, over the phone or at their office, depending on your level of comfort. Working with an agent directly can give you peace of mind and help get your questions answered faster. Their prices can sometimes beat an online quote because they get rates from multiple companies.
Independent insurance agents work with many insurance companies to find the best auto insurance rates. Instead of buying directly from the insurance company, car insurance customers will have an agent working for them as an advocate if they have a question about a claim or have any other concerns.
Insurance agencies represent multiple companies and can find an option for customers or switch them to a different auto insurance company with a lower rate.
“Many people who are referred to us are amazed that a family-owned agency, who is not a big name on television or on the radio offers such low rates,” says Cynthia Garcia, Marketing Director of Active Insurance Agency.
Compare coverage
When shopping at various websites, be sure to compare coverages among the various websites and shop around. You may want quotes for full coverage and for just the minimum liability coverage required by your state but you will find that some agencies have better rates for liability only than for full coverage. Liability only may be all you need if you have an older vehicle. It’s a way to save money while remaining in compliance with the law.
Illinois requires liability of $20,000 in bodily injury liability per person and $40,000 per accident, $15,000 property damage per accident, and $20,000 in uninsured motorist liability per person.
About Active Insurance:
Active Insurance Agency has provided low-cost auto insurance for drivers in Illinois, Indiana and Wisconsin for nearly 50 years. Its online car insurance quotes make comparing automobile insurance rates quick and easy. Best of all, no credit score or driver’s license number is needed to get a quote. Active Insurance also won’t ask for your Social Security number, so you can keep your confidential and personal information private. If you need a bond card, Active Insurance Agency has those too. |