Many of our customers ask, "Where are my discounts on my auto insurance?"  Well, if you are like many of us, the last thing you want to do is pay higher premiums for auto insurance than you need to. So, here are a few discounts that you might be eligible for and when you can get them.

First and foremost, Good Driving Habits Save you money!   Customers that have no tickets or accidents in the past three years save anywhere between 25 - 50% off their insurance policy.  In the State of Illinois there are basically four teirs of insurance.

Preferred Risk; Clients without  any tickets or accidents in the past three years

Standard Risk; Clients with one or two blemishes in the past three years

Non-Standard  Risk: Clients with multiple blemishes

Pool Risks;  Clients that are unable to purchase insurance in the regular market place because of their driving record can get into a State subsidized pool.

The best rates are getting into the Preferred Risk markets.

Second, once you are insured with a Company, you can save by getting Accident Free Discounts.  These discounts generally apply to the Liability, Comprehensive and Collision portion of your policy. After three years of accident free driving  you will normally receive 10% off these coverages.  After 6 years it is normally  15 -20%.  This discount over time can save you a significant amount.

Third, think about combining your Home and Auto policy with the same carrier!  Because you are giving the Company a shot at two different polcies they will fight to get your premiums.  Usually giving you 10 - 25 % off your policy.

Fourth,  if you have an alarm on your vehicle, let your agent and Company know!  The savings applies to the Comprehensive portion of your policy (theft and vandalism) which is a small portion of the premium but in todays economy, every dollar counts!                

Fifth, if you don't drive to and from work, or limited mileage there can be substantial discounts!  The less you are on the road, the less likely you are to have an accident. So, if you drive less than 10,000 miles per year many carriers will discount your premium by giving you a pleasure use rate.  tHIS CAN BE A SAVING OF 10-20%.

Sixth, many insurance companies will give you a paperless discount.  With todays technology  if you can print your own documents and receive them by e-mail or text you can save 5 - 10 %

Check with your agent on ways to save!  Communication is good.  

If you need a quote or discount evaluation, we welcome your call at Anderson Insurance Brokers!  We are saving clients money every day by making sure their policies are the right fit and written correctly.  We have auto insurance policies for all forms of drivers. So whether you are ticket and accident free or working toward it, we have a rate for you!

Call us at #630-681-800, #773-588-3500 or toll free at #866-681-8700.  Or, quote and buy on-line at


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