Three tricks to lower your Illinois car insurance payments

You aren’t going to be able to find too terribly many people out there that love paying for Illinois car insurance.

Most people (understandably so) feel like insurance is a bit of a racket, and absolutely hate the idea of throwing money away every single month – hundreds and hundreds of dollars each year, maybe even thousands – that they’ll never get back again.

And yet getting Illinois car insurance is a big part of being a responsible adult and vehicle owner/driver, and mandatory for being out on the open road. This puts you in between a rock and a hard place, which is why you’re going to want to do everything you can to lower your Illinois car insurance payments as much as possible.

Here are three tricks to help you do exactly that!

Boost your deductibles as high as you can

Your deductible is going to be the amount of money that you have to spend out-of-pocket until your Illinois car insurance “kicks in”, and the higher you can make that number the better off you’re going to be.

Even increasing your deductible by as little as 30% can drop your monthly premium payments so much so that you’re saving $100 or more each year – and that money can continue to add up the higher that you go.

Only pay for Illinois car insurance you absolutely need

A lot of people are paying for way more Illinois car insurance than they need and they don’t even know it!

Make sure that you go through your entire policy (line for line) to determine that you are only paying for the Illinois car insurance that you need and you’ll be able to save more than a few hundred dollars each year. Comprehensive and collision coverage is usually required (especially if you have a loan on your vehicle), but anything else is just extra and can almost always be eliminated to help you save a substantial amount of money every month.

Take advantage of a defensive driving course

Finally, you’ll want to look into taking a defensive driving course or other “drivers education” course that your insurance agency recognizes. This will allow you to drop your Illinois car insurance rates, sometimes significantly, as you’ll be considered a better, safer, and more informed driver every time you get behind the wheel. It’s an easy and quick way to save a lot of money on insurance!

 

Stay Safe With These Springtime Tips

It’s a little known fact that insurance companies see a marked rise in insurance claims during the springtime. This is due to a variety of different factors, but most accidents can be avoided by taking a few preventative measures. If you’re a homeowner, the spring can be an excellent time to clean your house and make your property safer. Although it’s required that everyone purchase Ohio car insurance and home insurance, it’s better to avoid accidents and claims rather than deal with the consequences.

The best way to save on your insurance premiums is to avoid filing insurance claims. You’ll get a better monthly premium by being safe and keeping your home in good condition. You can also save a significant amount on your premium by bundling your Ohio car insurance. Here are some quick things that you can do to keep your home safe this spring:

Clean Your Stove and Fireplace

Studies have shown that the majority of fire losses come from the kitchen. Food that’s left unattended can catch fire and damage your kitchen. Be sure to clean your oven and cook top thoroughly every season. Built-up grease can be a serious fire hazard if you don’t clean the cook top after extended use.

If you have a chimney, be sure to properly dispose of any ash you shovel out of the fireplace. Don’t dump the ashes in your house or garage. Store the discarded ashes in a container that’s far away from your home. Embers can stay lit in your fireplace for a long time, so it’s important to be careful when you remove the ashes. If you have a garden hose, it’s a good idea to spray down the inside of the ash bucket to ensure that the embers are extinguished.

Look For Leaks

This applies to both inside your home and under your vehicle. At the end of winter, it’s a good idea to examine the bottom of your car to make sure that there aren’t any cracks or leaks. If you do have a leak, have your car serviced by a professional. This will limit the chances that your car will break down on the road and cause an accident. Ohio car insurance rates are much lower for people who take good care of their vehicles, because they have a much lower chance of getting into an at-fault collision. If you haven’t gotten into an accident in the past 3 to 5 years, ask your Ohio car insurance provider about any discounts you might be eligible for. Along with examining your car, be sure to inspect your water heater, sinks, toilets, and washing machine for any leaks. This will help keep your home safe and free from mildew.

In case of accident

No one likes to think about having an accident, but chances are that one day every driver will have one—even if it’s just minor.  The fewer the better, as you’ll learn when you get Michigan car insurance quotes but should you have an accident, your insurer wants you to know exactly what to do.  It is vital that you know these steps before you turn the ignition on in a car, which is why it matters that you educate your teen driver about this procedure before they drive solo.

  1. Call 911 for medical help if it is needed. The most important thing is to be sure that any injured victims are treated immediately. Even a few minutes lag can make a difference. So make 911 your first call if someone is hurt.
  2. The police must be called. Your insurance carrier is going to want a police report number for any claims and the police need to investigate to determine what happened and who is at fault.
  3. If there are witnesses, get their contact info—name, address, phone number and email address. Witnesses often only step forward at the front end and aren’t going to hang around– so quickly get their info before they go about their day.
  4. There is a reason insurers give you those little wallet cards. One should be kept on your person and one in the glove box of the car. That information will have to be exchanged with the other driver. You need contact info for anyone else involved in the accident, as well.
  5. Teen drivers who are minors should be taught to call their parent or another adult responsible for them as soon as possible.
  6. You might quietly take some photos of the damage for your insurance company.
  7. It is important not to make statements about who is at fault—the police will investigate. It is so important to tell them what happened from your point of view.
  8. Notify. They will have forms to fill out, claims to file—be sure you ask about what you need to do next and what the process is.
  9. Even though most car accidents happen within a few miles of home, you may need your vehicle towed. Your insurance may cover that—be sure you know what your options are.