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!