Discounts on auto insurance in Illinois; good driver, drivers with a clean record and no history of claims save on insurance. Penalties for uninsured driving in Illinois include fines and driver's license suspension. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 27% more than the average premium in Illinois. In reality, car insurance in Illinois isn't very expensive compared to the national average, thanks to safe drivers with fewer accidents than average and affordable auto repair options across the state.
You can get discounts on auto insurance in Illinois depending on how you drive, the car you own, and your relationship with your insurance company. Policyholders with drivers who are fully enrolled in high school or college and who are good students who maintain a “B” average or better may qualify for a discount on car insurance. There are several unique reasons why car insurance is also increasing every year in Illinois, even if your details remain the same. You can face multiple penalties if you are caught driving without at least the minimum car insurance required in Illinois, including fines and the suspension of your driver's license.
Customers who have taken out car insurance on an ongoing basis with Travelers with no interruptions in their coverage may be entitled to a discount. You can qualify for a discount on car insurance if your family insures two or more cars under a Travelers policy. The private passenger vehicle receiving the discount must also be insured with State Farm Mutual Automobile Insurance Company. Bodily injury liability insurance covers any injuries you accidentally cause with your car, while property damage liability coverage helps pay for any material assets you damage while driving, such as someone else's car or mailbox.
When you buy a new car or own a car that's less than three years old, you may qualify for a new car discount. In Illinois, drivers with just two speeding tickets pay an average of 24% more on their annual car insurance premiums, for example. If you have an accident while driving without insurance in Illinois, you will receive a citation and all penalties for driving without insurance will apply, regardless of who is at fault. Once your car (or the vehicle it replaced) has been with State Farm Mutual Automobile Insurance Company for at least three consecutive years with no accident reported during this period, you can receive a discount.
If you own or rent a hybrid car, you can save on your Travelers car insurance with a discount on hybrid car insurance.