For drivers in Illinois who have a poor driving history, finding the right car insurance can be a daunting task. However, understanding available options and the factors that affect premiums can lead to making informed decisions. Below are some of the best car insurance options for Illinois drivers struggling with a less-than-perfect driving record.
1. State Minimum Liability Insurance
In Illinois, drivers are required to carry minimum liability coverage, which includes $25,000 for bodily injury per person, $50,000 for total bodily injury when multiple people are involved, and $20,000 for property damage. While this option is often the least expensive, it may not provide sufficient protection if you are involved in a serious accident. Nonetheless, for drivers looking to keep costs down, it is a viable starting point.
2. High-Risk Insurance Providers
Many insurance companies cater specifically to high-risk drivers. These providers specialize in offering policies that account for previous violations or accidents. Companies like Progressive and Geico often have programs designed for those with poor driving records. While premiums can be higher, they may also offer more flexible payment options and coverage plans.
3. Non-Owner Car Insurance
If you don't currently own a vehicle but frequently drive rented or borrowed cars, non-owner car insurance can be a practical solution. This type of insurance provides liability coverage while you are driving someone else's vehicle, making it a sensible option for those with a poor driving history who want to save on costs. Additionally, having this coverage can potentially help in building a better driving record over time.
4. Usage-Based Insurance
Usage-based insurance (UBI) programs can be beneficial for drivers who have a poor history but demonstrate safe driving habits. Insurers like State Farm and Allstate offer pay-as-you-drive options that track your driving behavior via a mobile app or device. If you drive safely, you may qualify for significant discounts, potentially lowering your overall insurance cost.
5. Defensive Driving Courses
Enrolling in a defensive driving course not only enhances your driving skills but can also lead to discounts on your car insurance premiums. Many insurers in Illinois recognize the value of these courses and offer reductions for policyholders who complete them. This can be an excellent way to improve your driving record while also reducing insurance costs.
6. Shopping Around for Quotes
For drivers with a poor history, it’s essential to shop around for quotes. Different insurers have varied approaches to assessing risk and calculating premiums. Websites like Insurify and Zebra allow you to compare rates from multiple insurance providers quickly. Taking the time to explore these options can help you find the most affordable coverage that suits your needs.
7. Bundling Policies
If you have other types of insurance, such as homeowners or renters insurance, consider bundling these policies with one car insurance provider. Many insurers offer significant discounts for bundled services, which can offset the higher premiums associated with poor driving history. Companies like Farmers and Nationwide often provide attractive bundling options.
Conclusion
While having a poor driving history in Illinois can limit your choices and increase your insurance costs, there are still various options available to make coverage more affordable. From state minimum liability insurance to high-risk providers and defensive driving courses, taking proactive steps can lead to better rates. Be sure to compare quotes and explore all available discounts to find the best car insurance option for your unique situation.
