Choosing the best home and auto insurance companies can be difficult. This can often lead you to accept the first offer that comes along. This is not the way to buy important insurance in Illinois. Spend some time, review your needs, and then ask for multiple quotes. In this way, you will have the right coverage for your important assets, your car, and your home.

Choosing a Home Insurance Policy

Always take time to read the fine print. No two insurance policies are the same. It is extremely important that you are fully aware of your coverage, otherwise you could be vulnerable should you suffer a loss. Always look closely at:

  • Deductible: The deductible is your out-of-pocket cost in the event you file a claim. Higher deductibles usually result in lower premiums and vice versa.
  • Coverage: Cover all your risks, which include fire, theft, etc. The risks are often different in different areas. If you have special items such as art or jewelry, make sure your policy covers the full replacement cost.
  • Discounts: If your home is protected by a burglar alarm, you may find you get a discount on the premium.

Choosing an Auto Insurance Policy

Get multiple quotes and compare them before you agree to purchase the policy. When you are reviewing quotes, look at the following.

  • Deductible: Policy premiums vary depending on the deductible as well as the coverage you are claiming against. To keep your premiums manageable, opting for a higher deductible is a good approach.
  • Coverage: If you drive an older car, you might want to forego collision coverage. Although you will be responsible for repairing the car in the event of a collision, you will benefit from a substantially lower premium.
  • Discounts: Many home and auto insurance companies offer good discounts if you have a clean driving record, multi-vehicle discounts are also available as are discounts for age and marital status.

You may also find that you will be granted a discount if you purchase both policies from the same company in Illinois.

If you are looking for home and auto insurance companies, contact Accurate Auto Insurance in Illinois. For details and free auto insurance quote, visit Follow us on google+.