Cheap Lincoln Continental Insurance in Chicago

Buying lower-cost Chicago Lincoln Continental insurance quotes on the web can seem to be somewhat intimidating for people new to comparing rates and buying auto insurance online. With literally dozens of online companies available, how are people expected to have a chance to compare every possible option in order to find cheaper auto insurance rates?

Discount Lincoln Continental insuranceSurprisingly, a recent survey revealed that almost 70% of drivers have been with the same company for over three years, and just under half have never even shopped around for cheap coverage. Chicago consumers could cut their rates by as much as 40% a year just by getting comparison quotes, but they won't spend time to shop around.

Auto insurance providers offering competitive price quotes in Illinois

The companies in the list below are ready to provide free quotes in Chicago, IL. If multiple providers are shown, it's highly recommended you visit as many as you can to get the best price comparison.

Discounts mean cheaper rates for Lincoln Continental insurance in Chicago

Companies offering auto insurance do not advertise the complete list of policy discounts very well, so the list below contains some of the more common and also the more inconspicuous discounts that may be available. If you don't get every credit you qualify for, you are not getting the best rate possible.Discount car insurance

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think all the discounts add up to a free policy, insurance companies wouldn't stay in business.

Companies and the discounts they provide can be read below.

If you need lower rates, check with every prospective company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in Chicago. To locate companies who offer free Lincoln Continental insurance quotes in Illinois, click here.

Good Decisions Result in Lower Insurance Premiums

Smart consumers have a good feel for the rating factors that come into play when calculating your premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that could help you find better car insurance rates.

What if I want to buy from local Chicago auto insurance agents?

Some consumers still prefer to get professional advice from a licensed agent and that is just fine! The best thing about comparing insurance prices online is that you can obtain cheap rate quotes and still choose a local agent. Putting coverage with neighborhood agents is still important in Chicago.

Upon completion of this short form, the coverage information is submitted to companies in Chicago who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to leave your computer as quotes are delivered straight to your inbox. You can get cheaper insurance rates without a big time investment. If you have a need to compare rates for a specific company, feel free to search and find their rate quote page and complete a quote there.

Choose an insurance agent wisely

If you want to buy insurance from a local agent, it's helpful to know the different types of agencies and how they function. Insurance agents in Chicago can be categorized as either independent (non-exclusive) or exclusive.

Independent Insurance Agencies or Brokers

Independent agents do not write with just one company and that gives them the ability to insure with many different companies and find you cheaper rates. If your agent finds better pricing, the business is moved internally and you don't have to switch agencies. If you need lower rates, you absolutely need to get quotes from several independent insurance agents to maximize your price options. Most have the option of insuring with smaller companies that many times have cheaper rates.

The following is a small list of independent agents in Chicago who can help you get price quote information.

View more agents

Exclusive Insurance Agents

Agents in the exclusive channel normally can only provide a single company's rates like State Farm, AAA, Farmers Insurance or Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes use the same exclusive agent mainly due to the brand and the convenience of having a single billing for all their coverages.

The following are Chicago exclusive insurance agencies willing to provide price quotes.

View more agents

Finding a good car insurance agent needs to be determined by more than just a cheap quote. Before buying a policy in Chicago, get answers to these questions.

If you receive good responses to any questions you have as well as a affordable price, it's possible that you found an insurance agency that can be trusted to properly service your insurance policy.

Brand name doesn't guarantee savings

Insurance providers like Progressive, GEICO, Allstate and State Farm seem to constantly run ads on TV and radio. They all seem to have a common claim that you can save if you change your policy. It sounds good, but how can they all offer you a better deal on Lincoln Continental insurance in Chicago? Here is the trick they use.

Most companies have specific criteria for the type of customer that will generate a profit. For instance, this type of driver might have to be between 30 and 50, has a clean driving record, and drives a car with an anti-theft system. Any customer that matches those criteria may get the lowest car insurance rates in Chicago and will probably cut their rates substantially.

Potential customers who do not fit the requirements will be quoted higher premium rates and the customer buying from someone else. The ads state "customers who switch" not "everyone that quotes" can get the lowest rates when switching. That's the way companies can claim big savings.

This really emphasizes why it is so important to do a rate comparison at every renewal. It is just not possible to predict with any certainty which company will give you the biggest savings.

Compare rates regularly to save

Cheap Lincoln Continental insurance in Chicago is attainable online in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not provide online quoting and many times these regional carriers work with independent agents.

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, poor customer service, questionable increases in premium and even denial of a claim. It doesn't matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

Other learning opportunities