Auto Insurance Quotes in Arlington Heights

High-priced insurance in Arlington Heights can deplete your checking account and possibly require you to analyze your spending habits. Doing a rate analysis is a fast and free way to ensure you are getting the best deal.

Unthinkable but true, most insurance buyers kept buying from the same company for over three years, and approximately 38% of consumers have never even compared rates from other companies. The average driver in Arlington Heights can cut their rates by about 40% a year by just comparing quotes, but they don’t want to take the time to find affordable insurance rates. Companies like State Farm, Progressive and GEICO continually hit you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

If you’re already insured or just want to reduce your rates, you can use these tips to cut your premiums while maintaining coverages. Locating the best rates in Arlington Heights is really quite simple as long as you have a good starting point. Shoppers just have to use the most efficient way to shop online from multiple companies.

The providers in the list below are our best choices to provide price quotes in Illinois. If multiple providers are shown, we suggest you compare several of them in order to get a fair rate comparison.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in zip code location which can affect premium rates substantially.

Policy deductibles

One of the most common auto insurance questions is where to set your physical damage deductibles. The data tables below can help illustrate the difference in cost between high and low physical damage coverage deductibles. The first data set uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in your specific Arlington Heights location which can impact prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $20 more each month or $240 every year than choosing the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 20 months between claims, you would save money if you elect the higher deductible.

Insurance policy discounts

Some providers don’t always advertise all discounts very clearly, so the next list breaks down some of the best known and also the more inconspicuous discounts that you can inquire about if you buy Arlington Heights auto insurance online.

• Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
• Student Discounts – Being a good student can save 20 to 25%. You can use this discount normally until age 25.
• Cautious Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% as compared to drivers with claims.
• Senior Citizen Discount – If you’re over the age of 55, you could receive a slight reduction on a Arlington Heights auto insurance quote.
• Multiple Vehicles – Purchasing coverage when you have several vehicles with the same company can reduce the rates for all insured vehicles.
• Defensive Driver – Successfully completing a course teaching driver safety skills could save 5% or more and easily recoup the cost of the course.

Discounts lower rates, but many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.

To find companies who offer insurance discounts in Arlington Heights, click this link.

Protect more than your vehicle

Even though it’s not necessarily cheap to insure a vehicle in Arlington Heights, buying car insurance is a good idea for several reasons.

• Just about all states have mandatory liability insurance requirements which means state laws require a minimum amount of liability in order to be legal. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you have a lien on your vehicle, almost all lenders will require you to carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your vehicle at a much higher premium rate and make you pay the higher premium.
• Car insurance protects both your assets and your vehicle. It will also provide coverage for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of insuring your vehicle definitely exceed the price paid, particularly when you have a large claim. On average, a vehicle owner in Arlington Heights is overpaying more than $865 each year so compare quotes from several companies at every renewal to ensure rates are inline.

Can’t I compare rate quotes from local Arlington Heights car insurance agents?

Some consumers prefer to buy from a licensed agent and that is a smart decision Good insurance agents can help determine the best coverages and help submit paperwork. An additional benefit of comparing insurance online is that you can obtain cheap rate quotes and still have an agent to talk to.

To make it easy to find an agent, after completing this simple form, your insurance data is sent to companies in Arlington Heights who will return price quotes to get your business. There is no reason to leave your house since rate quotes are delivered to you instantly. If you have a need to get a rate quote from a specific insurance provider, just visit that company’s website and fill out their quote form.

Selecting an insurer shouldn’t rely on just a cheap price. These are some questions your agent should answer.

• Is the agent properly licensed in Illinois?
• Will a damage claim use OEM or aftermarket replacement parts?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Are they full-time agents?
• Will the company cover a rental car if your car is getting fixed?
• Do they make recommendations based only on price?
• Will the agent help in case of a claim?

If you want to use a local Arlington Heights insurance agent, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Arlington Heights agents are categorized either exclusive or independent agents depending on their company appointments. Both properly insure your vehicles, but it’s worth mentioning the difference in the companies they write for because it can impact your agent selection.

Exclusive Agencies

Agents that choose to be exclusive have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies are well schooled on their products and sales techniques which helps them sell on service rather than price.

Below is a list of exclusive agents in Arlington Heights that are able to give rate quotes.

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Independent Insurance Agents

Independent insurance agents are not limited to a single company and that is an advantage because they can write policies through many companies and find the cheapest insurance rates. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. If you are trying to find cheaper rates, it’s a good idea to check rates from a couple of independent agencies to get the best comparison.

Listed below are Arlington Heights independent agents that are able to give price quotes.

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Car insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses like hospital visits, nursing services, prosthetic devices, EMT expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a deer, vandalism, falling objects and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your vehicle resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle, crashing into a building, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 20/40/15 that means you have $20,000 in coverage for each person’s injuries, a per accident bodily injury limit of $40,000, and property damage coverage for $15,000.

Liability insurance covers claims like structural damage, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible. Illinois requires drivers to carry at least 20/40/15 but you should think about purchasing more coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Illinois drivers carry very low liability coverage limits (which is 20/40/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Best and worst vehicle claim statistics

Is your vehicle a claim risk? The following tables show the best and worst cars and trucks for the probability of having to file claims for each type of coverage.