Finding the right auto insurance in Illinois can be challenging, especially for drivers with bad driving records. However, several insurance companies specialize in providing coverage to individuals with less-than-perfect driving histories. Understanding your options can help you secure the best policy at an affordable rate. Below is a list of the best auto insurance companies for drivers with bad driving records in Illinois.
1. Geico
Geico is known for its competitive rates and user-friendly online interface. They offer discounts for various factors, which can help lower premiums for drivers with bad records. Additionally, Geico provides flexible payment options, making it easier for policyholders to manage their premiums effectively.
2. Progressive
Progressive is another excellent choice for those with poor driving records. Their Name Your Price tool allows you to customize coverage based on your budget. Progressive also offers a range of discounts, such as multi-policy discounts and safe driver rewards, which can benefit drivers working to improve their records.
3. The General
The General specializes in high-risk auto insurance, making it a go-to for drivers with bad records. They provide a straightforward application process and offer flexible payment plans. Their focus on insuring high-risk drivers means they often accommodate customers that other insurers may decline.
4. State Farm
State Farm is one of the largest auto insurance providers in the U.S. and offers options for drivers with bad records. They have a solid reputation for customer service and provide a variety of discounts, including safe driving courses. Their local agents can also provide personalized service to help you find a plan that fits your needs.
5. Nationwide
Nationwide is known for its variety of coverage options, including policies for high-risk drivers. They offer several discounts that can help lower premiums, and their accident forgiveness program is beneficial for drivers looking to keep their insurance costs down after a mishap.
6. Allstate
Allstate provides tailored auto insurance policies for individuals with bad driving records. With their various discount options, such as the Drivewise program, you can earn rewards for safe driving behaviors, which can be advantageous for drivers working to improve their records.
Tips for Finding Affordable Auto Insurance in Illinois
If you have a bad driving record, consider the following tips to help you find affordable auto insurance:
- Compare Quotes: Always compare quotes from multiple insurance companies to find the best rates.
- Consider a Higher Deductible: Opting for a higher deductible can lower your premium, but be aware of the trade-off in potential out-of-pocket costs during a claim.
- Take a Defensive Driving Course: Completing a defensive driving course can sometimes earn you discounts and demonstrate your commitment to safer driving.
- Maintain Continuous Coverage: Having uninterrupted insurance coverage can prevent rates from increasing due to gaps in coverage.
In conclusion, while having a bad driving record can make it more challenging to find affordable auto insurance, various companies in Illinois cater to high-risk drivers. By exploring multiple options and making informed choices, you can secure the coverage you need at a price you can afford.
