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Cheap Car Insurance in Chicago

Cheapest Car Insurance in Chicago For All Cars and Drivers

Saving on car insurance in Chicago is like shopping for car insurance anywhere else. Many drivers begin with quotes for their minimum required insurance and continue to build a coverage plan from there.

Car insurance is required for every driver on the road in Chicago. Just because car insurance is required, though, does not mean you need to break the bank to get a car insurance policy. Explored below is how to get cheap car insurance in Chicago Illinois.

cheapest car insurance chicago quotes, rates, coverage, for all cars and drivers in Chicago Illinois regardless of credit or safe driving
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Car Insurance in Chicago Illinois

A good place to begin is by getting a cheap car insurance quote. Insurance Navy specializes in finding Cheap Car Insurance in Chicago.

Things you can do personally to save on your auto insurance are:

Receive multiple car insurance quotes

Getting multiple quotes from different Chicago car insurance companies is a good way to find the average cost you’re being offered. At the same time, it’s a great way to see if you’re overpaying for an existing insurance policy.

Weigh different insurance coverage options

You’re required to buy a liability insurance policy. In addition to that, you have the option to take on collision and comprehensive insurance plans to name a few. In a populated city like Chicago, it may be necessary to look at optional insurance coverage.

Pay upfront for auto insurance

A way to save on your auto insurance is to pay for your policies all at once instead of on a monthly basis. Paying for months at a time can lessen your premiums.

Consider your car

Car Insurance premiums are directly tied to the value of your car. If you drive a newer make and model, then your rates may be higher, and it will be more expensive to insure. Consider your car make, model, and age when shopping for insurance.

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Factors That Affect Car Insurance Cost in Chicago

Everyone truly pays a different amount for car insurance. Location is just one of many factors that play a role in determining how much your car insurance rates will be. Insurance providers, age, gender, driving record, and credit score are all major factors that are involved in the car insurance underwriting process.

Chicago auto insurance rates by company

There are several local and national car insurance providers across the board competing with each other for the best deals on car insurance rates.

The most important thing you can do when shopping for car insurance is to take advantage of the free quote calculators that several of these insurance companies have on their websites.

You’ll find that different providers look at your driver profile differently. The differences between the rates that some insurance providers offer can be night and day.

Chicago auto insurance premiums by age

One of the most known facts about car insurance is that younger drivers will pay the most for coverage. Teenagers are drivers who just got their licenses and can pay up to six times the normal amount of car insurance.

A new driver in Chicago pays over $6,000 annually for car insurance, according to stats. The cost does start to level out when the driver turns 25 and has more of a tangible driving record for insurance providers to go on. Even then, drivers in their 20s may be above the average in some cases. Car insurance rates reach a low when the driver is in their 40s and 50s. Rates will begin to increase again once they reach their late 60s.

Chicago auto insurance costs by marital status and gender

The listed gender on a driver’s license also plays a role in determining car insurance rates and marital status as well.

Several studies have found that men tend to be riskier drivers than women. However, the difference in what they pay compared to each other is quite minuscule –anywhere from $5 to $15.

Married couples pay less for car insurance than single drivers for the same reason. Again, there is not much of a difference, but it is important to know.

Chicago car insurance rates by violation history

It almost goes without saying that the safest drivers pay the least for car insurance. Insurance companies often check your driving record for violations on a regular basis.

Violations such as speeding tickets, reckless driving, at-fault accidents, and DUIs can increase how much you pay for car insurance.

DUIs and reckless driving are known to increase car insurance rates the most and may even require more specialized coverage –which will be around $2,712 –nearly three times the average amount.

Chicago car insurance rates by credit level

Car insurance is all about making your monthly payments on time. The foremost indicator of how reliable you are when it comes to this is your credit score.

Certain credit scores and higher are smiled upon by insurance providers and are usually rewarded with affordable rates.

“Good” credit scores can get you the average cost of car insurance in Chicago at $1,711 annually, while “exceptional” scores and greater can result in annual rates of around $1,409.

Car insurance providers are also known for creating their own insurance-based credit scores, which grow as you continue to pay your premiums.

Chicago Car Insurance Discounts

Car insurance companies offer a variety of their own discounts when it comes to new and existing policyholders. Keeping the discounts you’re eligible for in mind can make shopping for auto insurance easier and quicker.

Car Insurance Discounts that are universally offered by insurance companies are:

  • Safe driving discount - A good driving record is obtainable through safe driving habits. Simply being a safe driver can cause your insurance company to offer you a discounted policy price or a reduction in your premiums. Car Insurance companies love safe drivers because they’re not high-risk.
  • New vehicle discount - If you’ve recently purchased a vehicle, ask the insurance company if they offer new vehicle discounts. Adding a new vehicle to an existing insurance policy may be discount-worthy as well.
  • Defensive driving discount - Some policyholders complete a defensive driving course approved by the insurance company to earn a discount for their rates and insurance. Like safe driving, defensive driving indicates a low-risk driver.
  • Multi-policy discount - If you’ve moved to Chicago or are a resident, you may want to buy homeowner or renter’s insurance. Insurance Navy and several other insurance companies offer discounts to clients taking out multiple policies with them.
  • Military discount - Many insurance companies offer discounts for active duty and veterans of the military.

Chicago Illinois Car Insurance Coverage Requirements

If you live in Chicago Illinois, you must have the right kind of insurance policy. Make sure your policy meets the state of Illinois minimum coverage requirements.

For Car insurance in Chicago Illinois, the minimum requirements are:

  • $20,000 per person in bodily liability coverage.
  • $40,000 per accident in bodily liability coverage.
  • $15,000 in property damage liability.
  • $20,000 per person in uninsured motorist bodily injury coverage.
  • $40,000 per accident in uninsured motorist bodily injury coverage.
  • $15,000 in uninsured motorist property damage coverage
  • $25,000 per person in underinsured motorist coverage.
  • $50,000 per accident in underinsured motorist coverage.

Consider Your Insurance Coverage Options

Although these are the bare minimum insurance coverages Illinois requires, everyone’s insurance coverage requirements are different. To get a personalized recommendation, get a Free Online Car Insurance Quote.

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Driving and Transportation in Chicago

If you ever heard the song “Lake Shore Drive” by Aliotta Haynes Jeremiah, then you’d know driving in Chicago is more than just the daily rush hour. There are scenic roads that take you along the shore of Lake Michigan.

If the expressway is crowded during rush hour, then Lake Shore Drive is a reliable scenic route with quicker traffic. Side streets connecting the 77 neighborhoods can also be taken to save time. So, it’s not like you are sitting in traffic 24/7, nor are cars completely unnecessary like in New York.

A noteworthy feature of Chicago is its public transportation. In fact, their elevated trains, such as the “L” is one of the city’s defining and most recognizable features, which runs 24 hours. At the same time, there’s the Metra connecting all the Chicagoland suburbs to the Loop. It’s quicker than driving rush hour any day of the week.

There’s also a couple of taxi and bus companies that continue to work with the city. If you aren’t a vehicle owner, then you can still find auto coverage for part-time drivers and be able to travel around with ease.

Winter Driving In Chicago Illinois

Now, let’s talk about winters in Chicago because it can get cold, and the road conditions may change. Roads can become snowed in, and bridges can be iced over. When winter comes around, drivers all around Chicago begin their morning commutes early since any delays can happen. Drivers also tend to drive slower when the roads become icy.

Good auto insurance coverage can go a long way during this time of year. You can be a safe driver in the winter by driving carefully, being aware of snowplows and road clearings, and keeping an emergency winter kit in your car. It also helps to learn how to operate your car’s defroster and how long it takes to clear the windshield on a cold morning.

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Chicago Car Insurance Companies Near Me

Insurance Navy is one of the top Chicago car insurance companies for customers seeking low-cost auto coverage. We have locations all around the Chicagoland area --in the city and the surrounding neighborhoods. You may see a billboard mentioning us as you drive around the city. Call the number you see to get in contact with one of our insurance agents today!

Chicago Illinois Insurance Agents

We have insurance brokers all over the Chicago area who are eager to assist you with an Insurance Navy Illinois Car Insurance Policy. You can also contact us at any time or get a free quote via our award-winning mobile app. Learn how we're simplifying insurance using online bill pay, on-demand roadside assistance, and other insurance policy service options in our mobile app.

Learn more about Car Insurance in Chicago

To learn more about auto insurance in Chicago Illinois, go to our Illinois auto insurance page. You'll discover useful data such as coverage requirements and Illinois teen driving rules.

Car Insurance in Chicago is Easy with Insurance Navy!

Looking for more information on Chicago Auto Insurance and other insurance coverage? To receive a personalized quote, call Insurance Navy™ today at 888-949-6289.

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