When it comes to car insurance, finding the right policy can be daunting, especially for drivers in Illinois who don’t hit the road frequently. Whether you use your vehicle for occasional errands or weekend trips, it’s crucial to choose a car insurance plan that suits your driving habits and offers the best value. Here’s a guide to the best car insurance options in Illinois for infrequent drivers.
1. Pay-Per-Mile Insurance
Pay-per-mile insurance is an excellent option for drivers who don’t drive often. This type of policy charges premiums based on how many miles you drive, making it a cost-effective choice. Insurers like Metromile specialize in this model, allowing you to pay a base rate plus a per-mile fee. This option is ideal for those who want to save money while ensuring they have adequate coverage.
2. Usage-Based Insurance (UBI)
Usage-based insurance is another option for infrequent drivers. Companies like Progressive and Allstate offer UBI programs that track your driving habits via a mobile app or device. Safe driving can lead to significant savings on premiums, rewarding you for not driving often and maintaining a clean driving record.
3. Low-Mileage Discounts
Many traditional insurers in Illinois offer low-mileage discounts for drivers who log fewer miles annually. If you don’t drive much, be sure to inquire about these discounts when shopping for car insurance. Providers like State Farm and Farmers Insurance often have policies that can reduce your premium for driving less than a certain mileage threshold each year.
4. Liability-Only Coverage
If you rarely drive, you might consider going for liability-only coverage. This type of policy is typically cheaper than full coverage and fulfills the state minimum requirement in Illinois. However, it’s essential to assess your specific needs, as this coverage won’t protect you for damage to your own vehicle in case of an accident.
5. Comprehensive Coverage for Infrequent Use
If you have an older or less valuable vehicle that you drive only occasionally, consider a comprehensive coverage plan. This option covers non-collision-related events, such as theft, vandalism, or natural disasters. Providers like Geico and Nationwide offer competitive rates for comprehensive plans, allowing you to safeguard your vehicle even when it’s not driven regularly.
6. Comparison Shopping
To find the best car insurance in Illinois for drivers who don’t drive often, it’s essential to compare quotes from multiple insurers. Websites like The Zebra and NerdWallet can help you obtain personalized quotes by inputting your mileage and coverage preferences. By shopping around, you can identify policies that offer the best rates and coverage for your unique situation.
7. Bundling Insurance Policies
Another strategy to save on car insurance is to bundle it with other types of insurance, such as home or renters insurance. Many insurers in Illinois offer discounts for bundled policies, helping you reduce overall costs. Companies like State Farm and Allstate provide competitive bundle options that can benefit those who do not drive often.
In summary, finding the best car insurance in Illinois for infrequent drivers involves considering pay-per-mile insurance, usage-based options, low-mileage discounts, and the right coverage types. By taking advantage of comparison tools and bundling your policies, you can secure a plan that meets your needs while keeping your costs low. Always remember to review your coverage periodically and adjust it as your driving habits change.
