Illinois ranked 42nd last year in a state comparison of average auto insurance rates throughout the United State. Though auto insurance in Illinois offers some of the lowest rates in the country it doesn’t mean we should stop trying to find the best deal possible. And finding the best auto insurance rates in Illinois takes a blend of art and science.
To begin with, it helps to know what auto insurers tend to base their rates on and what they offer discounts for. Driving records, demographics, average mileage, marital status, and even the car you drive affect the cost of your insurance.
The best car insurance customer is a well-informed one. Don’t take anything for granted when you look for auto insurance in Illinois.
Don’t Ignore the Little Guys
Many customers make the mistake of ignoring smaller insurance companies in favor of the big guys. Geico, State Farm, All State and a couple others dominate the market, but smaller insurers often offer better service and rates. Look into local and regional companies when you shop around.
Do your Research
Everyone knows to get several different quotes before buying auto insurance in Illinois, but you can do even more. Ask questions about discounts. Many times, the information won’t be readily apparent but lots of life changes qualify you for reduced rates. The more facts you have, the better chance you have of getting a good deal.
Maintain a Clean Driving Record
Car insurance companies look at many things. Perhaps most important though is the driver’s record. Accidents raise rates quickly. The easiest way to get low rates is to obey the rules of the road and drive safe.
Tailor your Purchase
Everyone’s situation is different. If you don’t use your car very often, consider use-based premiums. Find rates that are discounted for upfront premium payment.
Educate yourself about auto insurance in Illinois requirements. You don’t want to scale back your coverage so you’re not still conforming to the law. But if you drive an old, beat-down car, it may not make sense to pay a higher premium for comprehensive insurance.
Call Accurate Auto Insurance
If you want to learn more about finding the best auto insurance in Illinois, visit Accurate Auto Insurance on the web. You can read more helpful articles, or simply enter your zip code and we’ll provide you with a free auto insurance quote. We’re also available by phone at 1-800-999-1034.