Shop around to get the best Illinois car insurance quotesWhen you’re shopping around to get Illinois car insurance quotes somewhere like here, the Illinois Department of Insurance offers a checklist of things to keep in mind if you want to get the most for your money.

The first one is a no-brainer: Find a reliable company. If a company is operating in the state, it must be certain requirements. The bigger insurance companies should be safe bets. It’s the small, fly-by-night firms that you want to avoid. Is the insurance company licensed to do business in Illinois? Check the company’s complaint ration. If the company regularly rips customers off, the complaint ratio is your first clue. The Department of Insurance website further explains where to find this information.

If the car insurance company checks out, find out as much as you can about your potential new agent. Getting referrals from friends and family members is the best way to avoid selecting an incompetent agent.

The next rule of thumb is to shop until you drop. Get Illinois car insurance quotes and carefully research and measure each one against your needs and budget.

When you’ve found a reasonable quote, make sure you understand what you’re buying. Ask the agent for a breakdown in layman’s terms of all the insurance jargon. That way there will be no surprises down the road when you need to file a claim.

Applications for Illinois car insurance can be time-consuming, but it’s very important that you take your time and fill them out as completely and accurately as possible. One little mistake can lead to higher costs.

Sometimes simply applying for and getting Illinois car insurance quotes will not result in an accurate estimate of what you’ll really be paying when the bill comes. If you want to know the exact amount you’ll be paying, file a non-bound application. This lets you know whether the insurance company will accept your application and at what price the company can offer you coverage before you cancel your current coverage.

Last but certainly not least, make sure you receive every discount available to you. In Illinois, car insurance premiums are reduced when your car has anti-theft features, when you bundle a homeowner’s policy with auto coverage, when you car-pool or take a defensive driving course, when you cover multiple vehicles and when you have low annual mileage.

A discount is also offered for students who maintain a B average.