Finding affordable auto insurance in Illinois can be difficult. Numerous variables can impact insurance rates for drivers across the state, such as driving history, age, and even your credit score.
The team at Accurate Auto Insurance works to get customers the cheapest car insurance quotes in Naperville, IL. If you’re struggling to find affordable coverage options, we can help you get the best rates for the coverage you need. We look at your driving profile and any other factors that may impact your insurance costs in order to compare quotes that are accurate and affordable.
Factors that Impact Insurance Rates in Illinois
Factors that affect auto insurance rates in Illinois include everything from age and location, to your driving history. Below is a list of the most common factors that can raise or lower your Naperville car insurance rates.
- Age
- Gender
- Credit Score
- Marital Status
- Type of Vehicle
- Yearly Mileage
- Use of Vehicle
- Location
- Driving Record
- Accident History
- License Suspension or Revocation
- Past DUI Charges
The more likely a driver is to file a claim, the higher their rates will be. For example, teen drivers almost always have higher premiums than individuals in their 20s and older. Single individuals are also more likely to face higher insurance premiums than married individuals. Drivers who live in high crime areas or locations with harsh weather may also pay higher rates.
These discrepancies exist because car insurance companies look at specific factors to assess the risks associated with insuring drivers. You may be statistically more likely to get into an accident based on your driving history, claim history, or even your zip code, which means you may end up paying more for car insurance than other drivers pay.
Regardless of your current situation or driving record, Accurate Auto Insurance can help you get insurance coverage at costs you can afford. Contact us today to speak to a representative, and we’ll give you the chance to lower your rates.
Types of Car Insurance Coverage
The type of coverage you need will also factor into how much you pay for car insurance. There are numerous plans available, as well as add-ons you can selectively apply to personalize your coverage.
Some common types of car insurance coverage include:
- Comprehensive Coverage
- Liability Insurance Coverage
- Medical Payments Coverage
- Uninsured/Underinsured Motorist Coverage
- Collision Coverage
- Personal Injury Coverage
- Rental Reimbursement Coverage
Whether you’re looking for a basic insurance plan, or comprehensive coverage, Accurate Auto Insurance can help you find the right plan within your budgeting limits in mind.
Illinois Minimum Insurance Requirements
To drive legally in the state of Illinois you must have a certain level of liability coverage. According to the Illinois Secretary of State, the minimum car insurance requirements are as follows:
- $25,000 for injury or death of one person in an accident
- $50,000 for injury or death of more than one person in an accident
- $20,000 for property damage to property of another person
It is illegal to drive in Illinois without carrying the required minimum liability coverage. However, minimum coverage doesn’t offer the best protection, which is why drivers should opt for fuller coverage plans whenever possible.
Cheap SR22 Insurance in Naperville, IL
If you are considered a high risk driver by insurance companies, your rates are going to be higher than other drivers on the road. This may occur due to a history of traffic violations, accidents, or DUI charges. In these scenarios, you may be required to carry an SR22 certificate.
SR22 is a certificate that proves you have the minimum coverage required to drive legally in the state. If your license has been suspended or revoked, you may also be required to obtain SR22 to regain your driving privileges.
If you’re looking for cheap sr22 insurance in Illinois, Accurate Auto Insurance will help you find the best rates available.
Contact Us for Naperville, Illinois Car Insurance Quotes
When you want the cheapest quotes for Illinois auto insurance, contact Accurate Auto Insurance today. Whether you’re looking for cheap car insurance in Naperville, motorcycle insurance, SR22 coverage, or even rideshare insurance in Illinois, our team can help!
Call us at (800) 999-1034 to receive an instant quote from our representatives!
