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Auto Insurance in Evanston IL
Evanston Car Insurance in Minutes
Car insurance is probably at the bottom of your never ending to do list but with Insurance Navy we make the process easy peasy and twice as nice.
Fast quoting and inside tips to get you the best rates we put more Evanston drivers on the road for less. Call today or read on to see how you can save big on the policies that cover you and your family bumper to bumper.
From cars and trucks to RVs and motorcycles we’re here for you when you need us most.
Evanston Auto Insurance with Insurance Navy
60202 Fast Insurance Quotes
You don’t have to break the bank to get great value on your auto insurance. Enter Insurance Navy – your partner in car, truck, motorcycle, RV and vehicle insurance when you need it most.
Work with one of our local agents today or submit your information online for a quick quote and get on the road fast and covered bumper to bumper.
In this article we’ll walk you through car insurance rates and how to get the best prices and value from your policies.
Car Insurance Costs in the US, Illinois and Evanston
Car insurance rates are calculated from a highly personalized formula with many variables, including your driving history, claims record and geographic location. Each city in Illinois has a different risk profile so it’s important to know how car insurance rates vary from the national average.
Our data shows that drivers in Evanston pay an average of $100.58 per month for car insurance, much lower than the national average of $167.23. This is a big difference.
Average Monthly Car Insurance Rates
- National: $167.23
- Illinois: $108.62
- Evanston, Illinois: $100.58
These are just numbers to use as a reference, but your rate will be different based on your driving profile, vehicle and other personal factors.
Save Big: Car Insurance by Zip Code
Car insurance rates can vary greatly, even within the same city, based on factors like crime rates and other zip code specific risk variables. In Evanston your zip code matters as insurers use this information to determine the risk in your specific neighborhood. If you live in a higher crime area consider taking extra precautions to protect your vehicle.
Below are the average monthly car insurance rates by zip code in Evanston, IL:
- 60201: $105.86
- 60202: $88.95
- 60203: $272.68
- 60208: $48.52
Remember these are just averages and your rate will be different based on your individual circumstances, driving history and the coverage options you choose.
Minimum Car Insurance Requirements in Evanston, IL
In Illinois, including Evanston, you’ll need to meet the state minimums. The state requires liability insurance of $25,000 per person for bodily injury or death, $50,000 total for bodily injury or death of multiple people and $20,000 for property damage.
In short, liability coverage (bodily injury and property damage liability) will pay for the costs up to the limits of your policy if you’re at fault in an accident. Illinois drivers are also required to have uninsured/underinsured motorist coverage with at least $20,000 per person and $40,000 total if multiple people are involved. This coverage will protect you if you’re in an accident with someone who has no insurance or not enough to cover the costs of the accident.
How to Save on Car Insurance in Evanston
Saving on car insurance can be tough but there are ways to do it.
First, shop around and compare quotes. Insurance Navy makes it easy, we work with several underwriters and insurance partners to get you the best rates. Many companies offer discounts for bundling policies, having a clean driving record or installing safety features in your vehicle. Also consider raising your deductible which can save you big on your monthly payments.
Insurance Navy’s Guide to Cheaper Car Insurance in Evanston
1. Compare and Win with Competitive Quotes
The key to saving on premiums is to shop around. Insurance Navy offers free, no obligation quotes so you can compare our rates to the competition. Plus we work with multiple underwriters so you have more options.
2. Maximize Discounts for Maximum Savings
From bundling homeowners and auto policies to safe driving discounts, multi-policy discounts and student discounts, Insurance Navy has many ways to save. Use these to keep more cash in your pocket.
3. Customize Your Coverage
While coverage is important, overpaying for extras is counterproductive. Work with Insurance Navy’s experts to create a policy that meets your needs without the extras.
4. Raise Your Deductible for Lower Payments
A higher deductible can mean lower monthly payments. Just make sure the deductible amount is within your means if an incident occurs.
5. Keep a Clean Driving Record
A clean driving history is your ticket to lower premiums. Safe driving not only keeps you safe on the road but also saves you money over time.
Additional Coverage to Consider for Full Coverage
Beyond the minimum coverage requirements, consider additional coverage for full coverage. One such option is collision coverage. This coverage pays for damage to your vehicle regardless of fault in an accident whether it’s with another vehicle or an object.
Another option is comprehensive insurance which includes comprehensive auto insurance coverage for damage from natural events, theft and vandalism. Other additional coverages to consider are rental car coverage which covers car rental costs while your vehicle is being repaired, gap insurance which covers the difference between your car’s value and the amount you owe on it if it’s totaled, roadside assistance for emergencies like flat tires or lockouts and new car replacement coverage which pays for a new car if your vehicle is totaled and meets specific age or mileage criteria.
High Risk Drivers: Affordable Options
Unfortunately high risk drivers with blemished driving records, classified as high risk, often can’t find affordable car insurance due to past traffic violations, DUIs or accidents. But don’t worry! There are still ways for high risk drivers to find affordable options.
SR22
In Illinois high risk drivers may need to file an Illinois SR-22 form which proves they have at least the state minimum auto insurance. The Illinois Automobile Insurance Plan (ILAIP) also provides insurance to drivers rejected by the voluntary market but requires proof of a valid driver’s license.
What Affects Car Insurance Rates in Evanston
Knowing what affects your car insurance rates is key to getting the best deal. In Illinois drivers with a speeding ticket pay 23% more on average for full coverage. Car accidents result in a 43% increase in insurance rates.
But a DUI conviction has the biggest impact of all, with an 81% increase on average. Your credit history also matters, with drivers with poor credit history paying 78% more than average and those with excellent credit history paying 16% less.
Did you know the time of year you request quotes can affect your rates because of insurer pricing changes.
Ways to Lower Your Car Insurance Premiums
While many factors can increase your car insurance premiums, there are many practical ways to lower them. One is to raise your deductibles on your car insurance policies. Raising your deductibles can save you big time.
Many insurers also offer discounts for completing a defensive driving course. Keeping a good credit record can also lower car insurance premiums as insurers use credit information to price policies. If you drive fewer miles than average or carpool you may also qualify for low mileage discounts.
Your Car Insurance Policy
Knowing your car insurance policy helps you make informed decisions about your coverage. Uninsured motorist coverage for example pays for medical bills and repairs if you’re hit by an uninsured or underinsured driver.
There’s also medical payments insurance coverage which pays for costs associated with injuries to you, your passengers or family members driving the insured vehicle. Another coverage to understand is personal injury protection (PIP) which covers medical expenses and other injury related costs like childcare or lost income and is required in some states.
Get an Instant Quote Online
Getting an instant quote online is what the digital age is all about. At Insurance Navy we make getting a quote quick, easy and hassle free.
To get a quote you’ll need to provide the following:
- Basic personal information
- Current auto insurance information
- Driver’s license information for all drivers on the policy
- Vehicle information
- Driving history for all drivers on the policy for the past 5 years
- Annual and current mileage
- How much coverage you need
After you submit the information you can compare the quotes or talk to a dedicated insurance rep to help you find the best policy for your budget.
Local Insurance Agents in Evanston
While online quotes are convenient, sometimes a personal touch is better. Our local agents can help you navigate the car insurance maze, answer your questions and give you personalized quotes from multiple insurance companies. Whether you prefer in-person, phone or email our agents are here to help you find the best coverage at the best rate with the right insurance company.
Car Insurance that Won’t Break the Bank: Better Coverage, Better Prices
Car insurance can be confusing, but it doesn’t have to be. The key is to know the minimum requirements, explore optional coverage for comprehensive protection and know what affects your rates.
By comparing quotes with Insurance Navy, taking advantage of discounts and keeping a good credit record you can get affordable car insurance in Evanston. Remember the best policy is one that fits your budget and gives you the coverage you need for peace of mind on the road.
Evanston Car Insurance FAQs
What are the minimum car insurance requirements in Illinois?
In Illinois the minimum car insurance requirements are: $25,000 bodily injury or death per person, $50,000 total per accident for bodily injury or death of multiple people and $20,000 property damage. Uninsured/underinsured motorist coverage with at least $20,000 per person and $40,000 total if multiple people are involved is required.
How can I get affordable car insurance?
To get affordable car insurance in Evanston compare quotes from multiple companies, keep a good driving record and take advantage of discounts such as multiple or bundling policies.
What optional coverage should I add for comprehensive coverage?
You should add optional coverage such as collision, comprehensive, rental car, gap insurance, roadside assistance and new car replacement to get comprehensive coverage. These will give you additional financial security and peace of mind in different situations.
How do high risk drivers get affordable insurance?
High risk drivers can get affordable insurance by using the Illinois Automobile Insurance Plan (ILAIP) and filing an SR-22. These will help you get the coverage you need.
What affects my car insurance rates in Evanston?
Several things affect your car insurance rates in Evanston: speeding tickets, at-fault accidents, DUI convictions, credit score and time of year. Be aware of these when you request quotes.