There is no reason to pay the first price that comes up when getting Chicago insurance quotes. 

You wouldn't do that if you were buying a used car would you? 

Of course not - you would try to get the price lower. Do the same with whatever policy you are getting your Chicago insurance quotes on. 

Often the deductible is something you can play around with and possibly same plenty on your premiums.  This should be done with forethought.  You do not want your deductible to be so low that you could not pay the premiums any more than you want the deductible to be so high you could not come up with that amount in the event of an insurance claim.

Sometimes all it takes is asking what discounts there are available that you may qualify for.  Do not assume that there are none or that someone will tell you if there are. 

Neither would be necessarily true. 

Sometimes we may qualify for a discount based on our employment, an organization we may belong to (or one that we could join in order to qualify for reduced insurance rates). 

There may also be something you can do to lower your rates. 

There are often preferred rates for non-smokers, safety equipment installed in the car or home, maybe even taking a defensive drivers class.  Anything that can lower your insurance premiums can save you considerable over  a long period of time.

Something to think about when getting your Chicago insurance quotes.  Don't limit yourself on one or two companies in your search.  Getting as many insurance quotes, for whatever policy you are shopping for is going to put you in a better position to get the best deal.