Getting a Chicago car insurance policy is a necessity because it is mandated by law. The good news for you is that the internet has leveled the playing field when it comes to buying mandatory coverage for your vehicle. Use our free quote from to get Chicago auto insurance quotes.
The internet has also made it possible to learn a lot more about your coverage options. If you would like to learn more about things like average Chicago auto insurance rates, where to find local insurance agents or find out more about Illinois state car insurance laws please keep reading.
Chicago Car Insurance Agents
The cheapest way to buy Chicago car insurance remains getting quotes online. Still if you have questions or concerns, it can be helpful to talk with an agent. That’s why we’ve listed local Chicago insurance agents from the largest insurance companies.
Allstate has a large number of agents in Chicago with 118 operating in the city itself and another 100+ located in surrounding communities. Their agents speak a variety of languages beyond just English and Spanish. Other languages include Russian, Tagalog, American Sign Language, Arabic, Korean, Cantonese, Mandarin and many more.
Although Geico prefers to sell insurance online or by phone, Chicago is one of only two cities in Illinois where they have an actual agent.
Like Geico, Progressive prefers to sell insurance direct to consumers. Nevertheless, they have 11 agents and brokers in the greater Chicago area who can help you with your auto insurance needs.
State Farm’s strength lies with it’s huge network of local agents and Chicago is no exception. Their website lists over 50 local insurance agents, one of whom is bound to be close to you.
Your insurance agency not listed? If you own an insurance agency that operates in Chicago and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Chicago Auto Insurance Rates
Contrary to most large cities in the US, both Chicago and Cook County auto insurance rates are below the national average. According to CarInsurance.com the average online price quoted for car insurance in Chicago in 2011 is $1,290 per year. This is over $100 less per year that the US national average, although $300 above the typical Illinois auto insurance rate.
The only way to be sure you’re getting the best rate is to make sure you get multiple quotes online. For that reason we suggest that you take the time to enter your zip code at the top or bottom of this page to find Chicago based insurance companies offering quotes online.
Driving in Chicago
If you drive you want to stay accident free. This is important for the safety of you and your family and of secondary importance it will also help to keep your car insurance rates low. If you drive in Chicago it is important to know to know which areas to avoid to stay safe. You can start by visiting the Getting Around Illinois website which lists potential roadway issues including construction.
The City of Chicago also lists street closures, which can help you plan your journey. To learn more about current Chicago traffic conditions you can just visit Google Maps. Finally, you can learn more about bottlenecks and other trouble spots from the INRIX traffic score card for Chicago.
Illinois Car Insurance Laws
There are a variety of auto insurance laws in the state of Illinois that you must abide by if you want to operate a motor vehicle. The key points are as follows:
- You must have at least the Illinois state minimum liability coverage of 20/40/15, which covers both bodily injury and property damage.
- You also need to have at least 20/40 Uninsured Motorist Bodily Injury Coverage (UM) and Underinsured Motorist Bodily Injury Insurance.
- Illinois insurance operates under what is known as a Comparative Negligence system, which “dictates how the responsibility for an accident will be shared between the parties.”
- You must always carry proof of insurance when in your vehicle.
You can learn more by visiting the Illinois Department of Insurance website (link at the bottom of this page). It provides full links and information to all aspects of Illinois auto insurance that can impact your liability and other insurance responsibilities.
Chicago Auto Insurance Quotes For Cheaper Insurance
It is possible to find cheap insurance, but you will need to work extra hard researching the right policy for you and your car. Here are a few pointers that are sure to help you find cheaper car insurance available in Chicago, Illinois.
You will need to get quotes from all the Chicago car insurance companies that capture your fancy. You can do this by either looking into a phone book or by checking online, starting with our free form below. You can even check your current insurance company and see if they offer discounts for loyalty. Many different companies do this, though they don’t really market it that much.
When you have their contact numbers, try to contact each one of them and ask for a quote. What you need to do is make the battle it out for you as a client. Cheap car insurance is not that hard to get, just as long as you know how to make them compete with each other.
Simply tell one company that you got a much lower quote from a different one, and more often than not, they will lower it as well, which you can then use to a different insurance company. Doing this a few times can help you get the cheapest car insurance you qualify for.
Of course, it will not hurt to ask questions to the insurance company such as getting discounts for being a responsible driver, a senior citizen, or whatnot. Overall, getting Chicago car insurance may be a bit hassle for some, but if you have knowledge of how to handle these things, the cheapest rates will simply present themselves at your door.
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