CHEAP AUTO INSURANCE IN ILLINOIS

Cheap Springfield Auto Insurance





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Cheap Car Insurance in Springfield




Wondering if you can get cheap auto insurance in Springfield IL? Many people are wasting their hard-earned money by paying higher premiums than necessary for their car insurance in Springfield. We can help you find the best auto insurance rates in Springfield, Illinois.

Just enter your zip code in the box above, and we will provide you with offers for quotes from major insurers specifically for where you live. Then you can compare the quotes, and make an informed decision. Don't spend time on the phone with agent after agent. Sit back and relax. We'll get the quotes for you!




Insurance is used to spread the risks (of providing coverage) among groups or individuals. Insurance companies use statistics to help predict the levels of risk for various groups or individuals. As a result, high risk factors result in higher premiums, and low risk factors cause premiums to be lower.

Insurance companies look at numerous factors in order to determine the amount of premium that an individual will have to pay for their auto insurance. Those factors result in the final premium you are quoted. The location where you live, your driving record, and your age are a few of the factors which are used.




Illinois Auto Insurance Minimum Requirements


State law in Illinois requires that all motor vehicles which are registered and used in Illinois must be covered by liability insurance. That covers property damage and injuries you may cause to others in an accident.

The minimum limits required for Bodily Injury Liability Coverage are $20,000 per person (injured in any one accident) and $40,000 for all people injured in any one accident.

The minimum limit required for Property Damage Liability Coverage is $15,000 for damage to the property of others in any one accident.

Sometimes the required insurance limits are referred to as 20/40/15.

Your insurance company will provide an insurance verification card for you. You must have the card in your vehicle when driving, and if a law enforcement officer requests to see it, you must produce it. The insurance card is normally given to you when you purchase your policy and when it is renewed.




Penalties


There is a minimum fine of $500 for operating a vehicle that is uninsured.

There is a minimum fine of $1,000 for driving a vehicle on which the registration is suspended for having no insurance.





Did You Know?

In 2015, there were 316 vehicle thefts in the Springfield, IL metropolitan area.

This figure is provided by the NICB (National Insurance Crime Bureau. nicb.com)






Uninsured Motorist Insurance


Liability insurance policies, under Illinois law, automatically have Uninsured Motorist coverage included at the legal minimum requirements for bodily injury or death. This means you have coverage if you are involved in an auto accident with an uninsured driver.




Factors That Determine Your
Auto Insurance Rates


(a) Type of vehicle -
The style of vehicle you own, the likelihood of theft, and the cost of repairing or replacing it will affect your premium. Naturally, a sports car raises your rates more than a 4-door family car does.

(b) Your driving record -
This factor will affect your premium rates more than any other. Any "at-fault" accidents and/or convictions for moving violations within the 3-year period leading up to your application or renewal will tremendously affect your cost.

(c) Vehicle use -
The more you use your vehicle, the higher your premium will be. If your vehicle is only rarely used, you will pay less than if you drive 20 miles to work each day.

(d) Where you live -
The number of accidents and claims, plus the road conditions in your area and the vehicle density are factors that "figure-in" to your total premium rates.




Insurance Classifications:

When determining rates for an automobile insurance policy, insurance companies separate drivers into categories called "classifications."

Various factors are used to classify drivers. Some of those are:

(a) gender,
(b) age,
(c) marital status,
(d) driving record,
(e) former insurance record,
(f) where the vehicle is housed, and
(g) annual number of miles driven.

History has shown that drivers with certain characteristics are more likely to be involved in an accident. So, drivers in those classifications are charged higher rates.

Even though you can NOT control your age or gender, you definitely CAN take responsibility for your driving record and the type of vehicle you drive.





Save Money
On Your Insurance


Increase your deductibles

Pay annually or semi-annually,
but not monthly

Eliminate any unnecessary coverage

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Thank you for visiting our site. As a good consumer, gain all the information you can about auto insurance, so you can make a wise decision. Enter your zip code in the box above to obtain the quotes you'll need, then purchase a policy that's right for you!

For those who prefer to get quotes from local insurance agencies or agents, we provide the Springfield auto insurance agencies and agents below for your convenience.






Auto Insurance Agents In Springfield, IL:


CHRISTOPHER WINTERS
3351 S 6th Street Rd
Springfield, IL 62703
217-585-3412

COMMEAN INSURANCE
3233 Mathers Rd #C
Springfield, IL 62711
217-793-0584

PRAIRIE STATE INSURANCE
1724 S 6th St
Springfield, IL 62703
217-525-4888

J. R. LAUER
4333 Conestoga Dr
Springfield, IL 62711
217-726-9617

GABE RITCHART
2 Drawbridge Rd
Springfield, IL 62704
217-793-2075

US INSURANCE CO OF AMERICA
3131 Greenhead Dr
Springfield, IL 62711
217-391-4242

BONNIE L KRUGER
225 N Bruns Ln
Springfield, IL 62702
217-793-1511

STANDARD MUTUAL INSURANCE
1028 S Grand Ave W
Springfield, IL 62704
217-546-2894



ANDREW RUEBBELKE
2925 S Meadowbrook Rd
Springfield, IL 62711
217-670-2186

STEVEN L CLARK
769 S Durkin Dr
Springfield, IL 62704
217-793-9227

BRADLEY D CLARE
2941 Stanton St
Springfield, IL 62703
217-585-8882

MATT HAMILTON
2925 S Meadowbrook Rd
Springfield, IL 62711
217-726-6288

JUSTIN FORD
1617 S Spring St
Springfield, IL 62704
217-544-0525

HARRY MCWARD
1037 S 4th St
Springfield, IL 62703
217-544-3401

JASON PLUMB
2945 E Sangamon Ave
Springfield, IL 62702
217-522-7102

JON KISTNER
1200 W Jefferson St
Springfield, IL 62702
217-546-3434






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