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Cheap Auto Insurance in
Chicago, Illinois

Whether you live in the city of Chicago or on the outskirts, you probably have to fight a mass amount of traffic during your daily commute. It's no secret that Chicago is a hopping city with much to offer for tourists and local residents alike. This means the traffic is hectic most of the day. That's one reason to have adequate auto insurance coverage from a reliable Chicago provider. Another reason is because Illinois state law requires it. Here's a bit of advice to get more bang for your buck when shopping for car insurance in Chicago.

Consider Complaint Ratios

No comparison among providers is complete without a sneak peak at the complaint ratios of the companies. If you want to know how a provider treats its customers, the complaint ratio will tell all. Sure, there will be some complaints about all companies - no company can make everyone happy. But the ratio reveals how many complaints there are versus how many customers or policies. Two companies with 4000 customers might be similar in every area, except one of the companies has 100 complaints and the other has only 40. The latter company likely takes extra steps to ensure the satisfaction of its customers. You can visit the Department of Insurance website for the state of Illinois to view complaint ratios and more information about top providers in Chicago.

Don't Settle

Make sure you understand exactly what type of policy and how much coverage you're getting. You might buy too much or too little coverage if you're not careful. You must purchase the minimum amount of liability coverage as required by the state of Illinois. This includes Bodily Injury coverage of at least $20,000/$40,000 and Property Damage insurance amounting to at least $15,000. Uninsured motorist insurance amounting to at least $20,000 per person is also a requirement.

You can also get too much coverage if you own a vehicle that's older with a low value. Don't over-insure an older vehicle unless it's a classic or collectible. Otherwise, you'll be paying more than your car is worth in insurance premiums.

Other types of coverage that are not required but might be beneficial to you include accidental death benefit, gap coverage, medical payments, towing, rental car reimbursement, underinsured motorist coverage, etc. There's also a coverage called custom or non-factory equipment coverage. This covers various custom products that have been added to your vehicle after received from the dealer, such as CB radio, cell phones, CD players, special speakers, etc.

What Determines the Premium?

Chicago auto insurance providers use various resources and risk factors to determine premiums. These may include, but are not limited to, gender, age, driving record, marital status, the type and age of your vehicle, how often you use the vehicle, your financial credit score, where you live and who else will drive your vehicle. These criteria are taken into consideration when determining your premium, which is why you can't base your experience and costs on that of others when it comes to shopping for Chicago car insurance. To save money, ask about discounts for you and other drivers in your household. Discounts are available for teens if they take Driver's Education courses and keep their grade point average high. Discounts might be available for safety and anti-theft features on your vehicle and for various other reasons. Also, keep in mind that opting for a higher deductible will usually lower the premium tremendously.

Find affordable car insurance rates by comparing Chicago providers at our website, Cheapautoinsuranceco.com. We provide easy-to-use features such as a quote comparison so you can save time and money while finding the best rates. Just answer a few questions and then compare the quotes you receive. Be sure to check out each company carefully before paying any on a premium. Then use the knowledge to make an informed decision.

Driving in Chicago can be risky business, but you'll have peace of mind knowing you've got the best auto insurance coverage possible!

Chicago Insurance Agents

We are not affiliated with any of the Insurance agents listed below
55 W Monroe St Ste 3150, Chicago, IL 60603
(312) 368-1008

120 S La Salle St Ste 1840, Chicago, IL 60603
(312) 726-3466

19 S Lasalle St Ste 500, Chicago, IL 60603
(312) 368-5110

233 S Wacker Dr Ste 2000, Chicago, IL 60606
(312) 288-7700

230 W Monroe St Ste 1950, Chicago, IL 60606
(312) 658-4122

22 W Washington St Ste 1500, Chicago, IL 60602
(312) 714-5486

300 S Wacker Dr Ste 1000, Chicago, IL 60606
(312) 263-3215

2 N La Salle St Ste 1606, Chicago, IL 60602
(312) 346-3090

Maximum Independent Brokerage
222 S Riverside Plz Ste 2340, Chicago, IL 60606
(312) 559-9348

10 S Riverside Plz Ste 124, Chicago, IL 60606
(312) 236-0071

155 N Michigan Ave Ste 634-635, Chicago, IL 60601
(312) 729-5265

155 N Wacker Dr Ste 1830, Chicago, IL 60606
(312) 803-4770

550 W Van Buren St Ste 1500, Chicago, IL 60607
(312) 899-1480

35 E Wacker Dr Ste 550, Chicago, IL 60601
(312) 922-5300

211 W Wacker Dr Ste 1800, Chicago, IL 60606
(312) 645-1200

307 N Michigan Ave Ste 2015, Chicago, IL 60601
(312) 641-1412

RBN & Associates
303 E Wacker Dr Ste 1130, Chicago, IL 60601
(312) 856-9400

435 N Michigan Ave Ste 2700, Chicago, IL 60611
(312) 222-0333

850 W Jackson Blvd Ste 850, Chicago, IL 60607
(708) 825-3573

645 N Michigan Ave, Chicago, IL 60611
(312) 482-8464

645 W Grand Ave, Chicago, IL 60654
(312) 733-1800

1015a W Madison St, Chicago, IL 60607
(312) 765-7080

368 W Huron Street Suite 5, Chicago, IL 60654
(312) 929-2888

40 E Chicago Ave Ste 398, Chicago, IL 60611
(312) 546-3607

329 W 18th St Ste 904c, Chicago, IL 60616
(312) 448-8113

980 N Michigan Ave Ste 1220, Chicago, IL 60611
(312) 654-8200

1050 North State St M106, Chicago, IL 60610
(312) 274-9720

2153b S China Pl, Chicago, IL 60616
(312) 808-8899

1165 N Clark St Ste 204, Chicago, IL 60610
(312) 337-5700

245 W 23rd St, Chicago, IL 60616
(312) 567-7001

1310 W 18th St Ste B, Chicago, IL 60608
(773) 843-3333

848 W Eastman St Ste 201, Chicago, IL 60642
(312) 867-1100

7 N Side Sq, Winchester, IL 62694
(217) 742-3182

1651 W Chicago Ave Apt 1e, Chicago, IL 60622
(312) 733-8181

1034 N Ashland, Chicago, IL 60622
(773) 286-3473

939 W North Ave Ste 750, Chicago, IL 60642
(312) 646-2111

1905 W Chicago Ave, Chicago, IL 60622
(312) 226-7334

1345 N Ashland Ave, Chicago, IL 60622
(773) 235-9900

1839 W Cermak Rd, Chicago, IL 60608
(773) 254-5500

2034 N Clark St, Chicago, IL 60614
(773) 248-9900

725 W 31st St, Chicago, IL 60616
(312) 791-0099

844 W Armitage Ave, Chicago, IL 60614
(773) 350-1780

2998 S Archer Ave, Chicago, IL 60608
(773) 940-1720

2452 W Chicago Ave, Chicago, IL 60622
(773) 486-4444
State Farm

753 W 35th St, Chicago, IL 60616
(773) 247-2900

2355 W Cermak Rd, Chicago, IL 60608
(773) 735-8553

974 W 35th Pl , Chicago, IL 60609
(312) 423-1935

2622 W Division St, Chicago, IL 60622
(773) 342-7090

1452 W Fullerton Ave, Chicago, IL 60614
(773) 404-2200

Cheap Car Insurance in Illinois

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