When shopping for low cost automobile insurance in Illinois, remember, price isn’t everything˳ As odd as it may sound, there are other important factors in selecting an insurance company to insure your car other than the annual premium˳ Here are a few things to take into consideration when comparing auto insurance in Illinois:
1˳ Claims procedure: Does the company have an easy to follow claims procedure? No matter how cheap your insurance premiums are, it is money wasted if you are unable to access the claims department in the event of a loss˳ It might behoove you to do a ‘dry run’ prior to sustaining a loss to see how long, if at all you remain on hold, or how many automated voices you must endure before you can actually report your claim˳
2˳ Financial Stability: Is the insurance company you select one that will be around for the long haul or is it one whose financial stability rating is tenuous at best˳ Again, it is important to insure your vehicle with a company that will be around when in the event of a claim˳
Checking the Illinois Department of Insurance for a list of companies licensed in the state to do business is one precaution, but even better than that, check the AM Best rating to determine the company’s financial stability˳ Companies with lower ratings tend to charge lower premiums, but remember, you get what you pay for˳
3˳ Local offices: Are the company’s offices conveniently located? If you’re in need of an insurance identification card, or proof of insurance, do you have to wait until it is mailed or can you conveniently pick it up? With today’s technology this point may seem moot, but there are some individuals who like to do things ‘the old fashioned way’ and prefer to walk into an office˳
4˳ Shop around: No matter how good your quote seems, always get a second and maybe a third opinion and compare˳
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