Owning a car is more expensive than many people think. Not only do you probably have a car payment, but you also have to pay for gas, maintenance, and of course, insurance. Depending on your personal life situation, insurance can be expensive in Illinois. There are a number of things that can affect your insurance including your credit, your driving history, and even your gender or car type. There are ways to find low cost insurance, though, including the following:
Get Several Quotes
One way to find the lowest cost auto insurance is to get several quotes. When you get quotes, it is important that you are comparing apples to apples and not apples to oranges. This means, you shouldn’t be comparing a quote for simple liability insurance with a quote that includes all of the bells and whistles. When you shop around, you not only will see what you can expect to pay, you can also get the most affordable insurance.
Don’t Just Focus on the Big Guys
Another mistake that people make when looking for low cost insurance is only getting quotes from the national insurance companies like Geico, Progressive, or State Farm. There are plenty of local and regional insurance companies in Illinois that are just as good as the big guys yet can give you a cheaper rate because they don’t have all of the overhead of a huge company.
Choose a Higher Deductible
Finally, you can lower your insurance rates by taking on more of a risk. The higher your deductible is, the lower your rates are going to be. However, you have to keep in mind that you might be paying a lot of money out of pocket should you get into an accident.
If you are looking for low cost insurance, contact Accurate Auto Insurance in Illinois. Learn more online at http://www.accurateautoins.com.