Joliet Illinois Auto Insurance For Less Than You’re Paying Now

Are you a victim of high-priced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Multiple insurers compete for your business, so it’s not easy to compare every provider to find the best price available.

Companies offer discounts so take them!

Companies don’t list every discount very clearly, so here is a list both well-publicized and the more hidden auto insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Government Employees – Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Fewer Miles Equal More Savings – Fewer annual miles could qualify for a substantially lower rate.
  • Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurers with the best auto insurance discounts in Joliet, click here.

Joliet Auto Insurance Quote Comparison

Reducing your insurance rates is a fairly straight forward process. You just need to take a few minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • One of the simplest ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form keeps you from doing multiple quote forms for each company you want a rate for. Filling out one form will get you price quotes from all major companies.
  • A more difficult way to shop for auto insurance online is going to the website for each individual company to complete a price quote. For sake of this example, let’s say you want rates from Farmers, Allstate and Liberty Mutual. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

    To view a list of companies in Joliet, click here.

  • The least efficient way of getting rate comparisons is to drive around to and from local Joliet insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the personal advice only provided by licensed Joliet agents. You can, however, find lower rates online but buy from a local insurance agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same information for every quote you compare. If you are comparing unequal deductibles or liability limits then you won’t be able to make an equal comparison in Joliet.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

Shown below are some of the items auto insurance companies consider when setting premiums.

  • Rural vs Urban Areas – Living in small towns and rural areas can save you money when insuring your vehicles. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • Having a spouse can save you money – Having a spouse can get you a discount when buying auto insurance. It translates into being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you.
  • Type of vehicle determines base rates – The make and model of the vehicle you own makes a huge difference in how high your rates are. The cheapest insurance rates tend to be for small economy passenger cars, but other factors influence the final cost greatly.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Lower deductibles cost more – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be collision with another vehicle, damage caused by hail, and burglary. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more money you are required to pay out-of-pocket, the lower your rates will be.
  • Credit scores impact auto insurance rates – A driver’s credit score is a huge factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower ratings. If your credit history is low, you could potentially save money when insuring your by improving your credit score.

Buying car insurance locally

Some consumers would prefer to buy from a local agent and that is just fine! Licensed agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing rates online is you may find lower rates but also keep your business local.<img class="alignright" style="padding-top:15px;" src="" alt="Joliet Illinois auto insurance“/>

Once you complete this simple form, your coverage information is sent to participating agents in Joliet who will give you bids for your business. You won’t need to leave your computer as quotes are delivered immediately to your email address. How’s that for easy!

Picking an provider requires more thought than just a cheap price. These are valid questions to ask:

  • Do they regularly work with personal auto policies?
  • Are they properly licensed to sell insurance in Illinois?
  • Which members of your family are coverage by the policy?
  • What insurance companies do they recommend if they are an independent agent?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Does the agency provide any after hours assistance?
  • Is working in the agency their full-time job?
  • How long has their agency been in business in Joliet?

Two types of Joliet insurance agencies

When searching for a good Joliet insurance agent, you need to know there are two different types of agents from which to choose. Joliet agents are either captive or independent (non-captive). Both types can do a good job, but it’s important to know the difference between them because it can impact buying decisions.

Captive Insurance Agents

These agents have only one company to place business with like Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so always compare other rates. They receive extensive training on their products and sales techniques which can be an advantage.

Shown below is a short list of captive agencies in Joliet that can give you price quotes.

Farmers Insurance Group – 121 Springfield Ave – Joliet, IL 60435 – (815) 725-5678
State Farm Insurance – 1050 Essington Rd – Joliet, IL 60435 – (815) 725-5052
American Family Insurance – 1300 N Raynor Ave – Joliet, IL 60435 – (815) 727-9095
Allstate Insurance Co – 221 Springfield Ave – Joliet, IL 60435 – (815) 730-1500

Independent Agents (or Brokers)

These agents do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.

When comparison shopping, it’s recommended you include multiple independent agents to get the best comparison.

Below are independent agencies in Joliet that can give you price quote information.

Joliet IL car insurance quote

Dow Moore Matsock Agency – 1429 Plainfield Rd – Joliet, IL 60435 – (815) 729-9800
Chizmark and Larson Agency – 615 Kungs Way – Joliet, IL 60435 – (815) 725-6527
Brsan Insurance Svc – 1305 Cassie Dr – Joliet, IL 60435 – (815) 725-8409
Dyer Agency – 656 Glenwood Ave – Joliet, IL 60435 – (815) 723-2559
Complete Insurance Svc – 1015 Plainfield Rd – Joliet, IL 60435 – (815) 723-3535

To view a full list of Joliet insurance agents, view this link.

Once you have received good answers and an acceptable price quote, chances are good that you have found an auto insurance agent that meets your needs to service your policy.

Online plus local equals savings

We’ve covered quite a bit of information on how to reduce auto insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

The cheapest auto insurance is possible on the web as well as from independent agents in Joliet, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies work with independent agents.

Even more information is available at the Illinois Department of Insurance website. Illinois drivers can discover disciplinary actions, view a list of available companies, find disaster information, and find out industry alerts.