Are you looking for a better way to compare the cheapest Suzuki Forenza insurance in Chicago? Locating cheaper insurance for a new or used Suzuki Forenza in Illinois can be a lot of work, but you can follow these tips and make it easy.
There is a right way and a wrong way to buy car insurance so you’re going to learn the proper way to quote coverages for a Suzuki and locate the best price possible.
If you are insured now or want to find a cheaper company, use these cost-cutting techniques to find better prices without sacrificing coverage. Comparison shopping for the best car insurance policy in Chicago is simple if you know the tricks. You just have to understand the fastest way to quote multiple rates online from multiple companies.
Best companies for Suzuki Forenza insurance
The companies shown below provide free quotes in Illinois. If several companies are displayed, we suggest you get rates from several of them to get a more complete price comparison.
Verify you’re applying every discount
Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but some discounts are required to be requested specifically before you will receive the discount.
- ABS Brakes – Cars and trucks with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
- Waiver for an Accident – This isn’t a discount exactly, but companies like Progressive, State Farm and GEICO will forgive one accident before they charge you more for coverage if you have no claims for a specific time period.
- Discount for Home Ownership – Being a homeowner can earn you a little savings because owning a home requires personal responsibility.
- Memberships – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on auto insurance.
- Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
- Pay Early and Save – By making one initial payment rather than paying monthly you could save 5% or more.
- Military Rewards – Having a family member in the military could be rewarded with lower auto insurance rates.
- Discount for Swiching Early – Some companies reward drivers for buying a policy prior to the expiration date on your current Forenza insurance policy. It could save around 10% when you buy Chicago auto insurance online.
- Telematics Data – Drivers who elect to allow companies to analyze driving manner remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they show good driving skills.
It’s important to note that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn’t work that way.
Some companies that may include these discounts include:
If you are trying to find cheaper Chicago auto insurance quotes, ask every company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in Chicago. To see a list of insurance companies that offer many of these discounts in Chicago, click here.
Your situation helps dictate your coverage
Keep in mind that when it comes to choosing the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Your financial needs are unique and your policy should reflect that. For example, these questions could help you determine if your situation may require specific advice.
- Is there a penalty for late payment?
- How much underlying liability do I need for an umbrella policy?
- Who is covered by my policy?
- Are rock chip repairs covered?
- Do I have coverage if my license is suspended?
- Am I covered if I back into my garage door?
- Is my teen driver covered when they drive my company car?
- What if an uninsured driver hits me?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Are insurance agencies a thing of the past?
Certain consumers would rather visit with an insurance agent and that can be a smart move Insurance agents are very good at helping people manage risk and help you file claims. An additional benefit of getting free rate quotes online is that you can obtain cheap rate quotes but also keep your business local. And supporting neighborhood insurance agencies is still important in Chicago.
After completing this short form, the quote information is transmitted to companies in Chicago who will gladly provide quotes to get your business. You won’t need to search for any insurance agencies due to the fact that quote results will go to you instantly. In the event you want to get a rate quote from one company in particular, feel free to navigate to their website and give them your coverage information.
Types of car insurance agents in Chicago
If you are wanting to find a local Chicago insurance agent, you must know there are a couple different agency structures and how they operate. Insurance agents in Chicago can either be exclusive or independent (non-exclusive). Both types of agents can properly insure your vehicles, but it’s a good idea to understand the difference in the companies they write for because it can factor into which type of agent you select.
Independent Insurance Agencies or Brokers
Independent insurance agents do not write with just one company so they can quote policies through lots of different companies enabling the ability to shop coverage around. If premiums increase, the agent simply finds a different carrier and you don’t have to switch agencies.
When comparison shopping, you definitely need to get rate quotes from multiple independent agents to get the most accurate price comparison. Most independent agents also contract with smaller companies which may have better rates.
Below are independent agencies in Chicago that may be able to provide competitive price quotes.
- Public Insurance Agency
3656 N Cicero Ave – Chicago, IL 60641 – (773) 725-9333 – View Map - Illinois Vehicle Auto Insurance (Xpert)
1858 W 18th St – Chicago, IL 60608 – (312) 226-1033 – View Map - Riehn Insurance
4541 N Lincoln Ave – Chicago, IL 60625 – (773) 561-4200 – View Map
Exclusive Insurance Agencies
These type of agents can only quote rates from one company like Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so keep that in mind. They are trained well in insurance sales which helps them compete with independent agents. Drivers often use the same agent mainly due to the brand legacy and solid financial strength.
Listed below are Chicago exclusive insurance agencies that can give you price quote information.
- Tamika Echols – State Farm Insurance Agent
1611 N Clybourn Ave – Chicago, IL 60614 – (312) 944-9700 – View Map - Bill Dillard – State Farm Insurance Agent
516 W Diversey Pkwy – Chicago, IL 60614 – (773) 549-2605 – View Map - Greg King – State Farm Insurance Agent
5508 S Lake Park Ave – Chicago, IL 60637 – (773) 643-6200 – View Map
Deciding on a insurance agent should include more criteria than just a low price. Below are some questions you should ask.
- Are they properly licensed to sell insurance in Illinois?
- Are there any extra charges for paying monthly?
- Can you get a list of referrals?
- If independent agents, which companies do they recommend?
- Will the agent or a CSR service your policy?
- How long has their agency been in business in Chicago?
- Do they have designations such as AIC, CPCU, or CIC?
- Will they make sure you get an adequate claim settlement?
Auto insurance companies are expert advertisers
Consumers constantly see and hear ads that claim the best premium rates from companies such as Progressive, Allstate and GEICO. All the ads make the same claim that you can save if you switch your auto insurance coverage to their company.
How does every auto insurance company cost less than your current company? It’s all in how they say it.
Companies can use profiling for the right customer they prefer to insure. A good example of a driver they prefer may be between the ages of 40 and 55, has no prior claims, and the vehicle is rated for pleasure use. Any person who matches those parameters will most likely get cheap premium rates and therefore will cut their rates substantially.
Potential insureds who cannot meet the “perfect” profile may be required to pay more expensive rates which results in business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save money. That is how companies can truthfully claim big savings.
Because each company has a different risk profile, you absolutely need to quote coverage with many companies. It’s impossible to know which company will provide the lowest Suzuki Forenza insurance in Chicago.
More comparisons equals cheap rates
We’ve covered some good ideas how to get a better price on Suzuki Forenza insurance in Chicago. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding inexpensive Chicago auto insurance quotes. You may even be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.
Low-cost Suzuki Forenza insurance in Chicago is attainable from both online companies in addition to many Chicago insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent insurance agencies.
When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where someone dropped uninsured motorist or liability limits only to discover later that it was a big mistake. Your focus should be to buy enough coverage at the best possible price and still be able to protect your assets.
Additional resources
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Affordable Chicago Auto Insurance for a Honda CR-V? (FAQ)
- Who Has Cheap Chicago Car Insurance Rates for First-time Drivers? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)