Illinois operates an auto insurance point system that impacts how premiums are calculated and how driving violations are treated. Understanding this system can help drivers maintain lower insurance rates and avoid additional penalties. Below is a comprehensive explanation of the Illinois auto insurance point system.
What is the Illinois Auto Insurance Point System?
The Illinois auto insurance point system is designed to penalize drivers for traffic violations. Points are added to a driver’s record for each violation, and accumulating too many points can lead to increased insurance premiums or even license suspension. The system aims to promote safer driving by encouraging motorists to adhere to traffic laws.
How Points are Assigned
In Illinois, points are assigned based on the severity of the traffic violation. Here’s a brief overview of some common violations and the points associated with them:
- Speeding (1-10 mph over the limit): 5 points
- Driving without a valid license: 20 points
- Driving under the influence (DUI): 20 points
- Reckless driving: 20 points
- Failure to stop at a stop sign: 3 points
- Failure to yield: 3 points
These points remain on a driver’s record for four years from the date of the violation. However, serious offenses like DUI can remain on the record for a longer period, impacting insurance rates and driving privileges.
Impact on Insurance Premiums
Insurance companies often use the point system to determine risk levels. Accumulating points on your driving record can lead to higher auto insurance premiums. Here’s how it typically works:
- 1-5 points: Minimal impact on insurance rates.
- 6-14 points: Moderate increase in premiums; may affect eligibility for discounts.
- 15+ points: Significant increase in premiums; potential policy cancellation.
Insurance companies can choose to overlook minor violations, but they are required to evaluate the overall driving history of the policyholder. Therefore, it’s essential to maintain a clean driving record to ensure the best rates.
Point Reduction and Traffic School
Illinois drivers have options to reduce points on their driving record. Completing a state-approved traffic safety course can remove up to four points from a driver’s record. Engaging in defensive driving programs can result in discounts on insurance premiums, improving overall driving history and safety.
Monitoring Your Driving Record
It’s crucial for drivers to regularly check their driving records. In Illinois, individuals can obtain a copy of their driving history from the Secretary of State’s office. This allows drivers to stay informed about any recorded violations and address issues before they escalate into more significant problems.
Conclusion
Understanding the Illinois auto insurance point system is vital for every driver. By knowing how points are assigned and their eventual impact on insurance rates, drivers can take necessary precautions to maintain a clean driving record. Stay informed, drive safely, and consider taking advantage of point reduction options to keep your auto insurance premiums as low as possible.
