Cheapest Chicago Mazda 2 Insurance

How long has it been since you shopped around for the cheapest Mazda 2 insurance in Chicago? Being forced to pay for pricey auto insurance premiums can bleed your personal savings and force you to prioritize other expenses.

Insurance quote for Mazda 2 in ChicagoA recent study revealed that a large majority of auto insurance policyholders kept their policy with the same company for over three years, and virtually 40% of consumers have never shopped around. Illinois drivers can save hundreds of dollars each year, but they think it’s difficult to compare rates and save money.

Insurance companies such as GEICO, 21st Century and Progressive all claim big savings, bombarding you with advertising and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

Consumers need to do rate comparisons quite often due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you found the best price on Mazda 2 insurance in Chicago a couple years back the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because you’re about to find out the things you must know in order to eliminate unnecessary coverages and save money on Mazda 2 insurance in Chicago.

Just keep in mind that comparing more rates from different companies provides better odds of finding more affordable rates. Some regional insurers cannot provide online rate quotes, so it’s important to compare price estimates from the smaller companies as well.

The companies shown below provide free quotes in Illinois. If more than one company is shown, it’s highly recommended you visit as many as you can to get the most affordable price.

Save money with these premium slashing discounts

Car insurance companies don’t necessarily list all possible discounts very clearly, so the below list has some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Chicago car insurance online.Car insurance discounts

Please keep in mind that many deductions do not apply to the whole policy. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

Large car insurance companies and some of their more popular discounts can be read below.

Check with all the companies how many discounts you can get. Some credits may not apply to policyholders in Chicago. If you would like to choose from a list of insurers that offer the discounts shown above in Chicago, click here.

Informed Consumers Can Slash Their Insurance Costs

Lots of factors are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but others are not quite as obvious such as your marital status or how financially stable you are.

The factors shown below are a partial list of the pieces used by companies to determine your prices.

You may want advice from an insurance agency

Some people still like to visit with an insurance agent. One of the great benefits of getting online price quotes is the fact that you can find better rates and still have a local agent. Buying from and supporting local agencies is especially important in Chicago.

Find insurance agent in ChicagoTo make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to companies in Chicago that provide free Chicago car insurance quotes to get your business. You never need to find an agent as quotes are delivered instantly to you. You can get cheaper insurance rates and a licensed agent to work with. If for some reason you want to get a rate quote from one company in particular, just jump over to their website and fill out the quote form the provide.

Insurance agent types

If you’re trying to find a reliable agent, it helps to know the two different types of agencies from which to choose. Insurance agents are either independent or exclusive.

Independent Agencies or Brokers

Independent agencies are normally appointed by many insurers so they can insure your vehicles amongst many companies and find you the best rates. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.

If you are comparing insurance prices, you definitely need to include rate quotes from a couple of independent agencies for the best price selection.

Shown below is a short list of independent agents in Chicago that may be able to give you free insurance quotes.

3656 N Cicero AveChicago, IL 60641(773) 725-9333View Map

5902 W Fullerton AveChicago, IL 60639(877) 999-2644View Map

800 W Huron St #301Chicago, IL 60642(312) 664-8088View Map

More Chicago agents

Exclusive Insurance Agents

Exclusive agencies have only one company to place business with and some examples include Farmers Insurance, State Farm, or Allstate. They usually cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They are highly trained on their products and sales techniques and that allows them to sell at a higher price point.

Below is a short list of exclusive insurance agents in Chicago willing to provide comparison quotes.

4316 W 63rd StChicago, IL 60629(773) 735-0135View Map

1525 E 53rd St #727Chicago, IL 60615(773) 955-3133View Map

1345 W Taylor StChicago, IL 60607(312) 455-0675View Map

More Chicago agents

Choosing an insurance agent should include more criteria than just the premium amount. Any agent in Chicago should be forthright in answering these questions:

Do insurance companies bend the truth?

Well-known insurance companies like 21st Century, Allstate and State Farm endlessly run ads on television and other media. All the ads have a common claim of big savings if you change to their company. How is it possible that every company can sell you cheaper insurance coverage?

Insurance companies offer their best rates for the driver that earns them the highest profit. An example of a desirable insured might be over the age of 40, has a clear driving record, and does not commute to work. Any new insured that hits that “sweet spot” will get a cheap rate quote in Chicago and will save quite a bit of money when switching.

Insureds who don’t meet these standards will see a higher rate with the end result being the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make those claims.

This really illustrates why you absolutely need to do a rate comparison at every renewal. It’s not possible to predict with any certainty which company will provide you with the cheapest Mazda 2 insurance in Chicago.

Cheaper insurance premiums are out there

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In too many instances, consumers will sacrifice full coverage and discovered at claim time that it was a big mistake. Your aim should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

Affordable Mazda 2 insurance in Chicago can be found both online in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. A few companies do not offer online quoting and usually these regional insurance providers prefer to sell through independent insurance agents.

Additional information