Finding affordable car insurance can be a challenge for students in Illinois, especially with tuition fees and other expenses weighing heavily on budgets. However, several insurance providers offer plans tailored specifically for students, ensuring they can secure the coverage they need without breaking the bank. Below are some of the best cheap car insurance plans for students in Illinois.
1. State Farm
State Farm is known for its numerous discounts, making it an excellent option for students. They offer a good student discount for those maintaining a B average or higher, as well as new vehicle discounts and safe driving discounts. Additionally, the company's extensive network of agents ensures that students can receive personalized service and guidance.
2. GEICO
GEICO is another top contender for affordable car insurance for students. Known for their competitive rates, GEICO offers a variety of discounts specifically aimed at young drivers, including good student and military discounts. Their user-friendly mobile app also allows students to manage their policies conveniently, making it an attractive option for tech-savvy individuals.
3. Allstate
Allstate provides a range of useful discounts for students, including a good student discount and a drivewise program that rewards safe driving. Their coverage options are customizable, allowing students to choose the plan that best fits their needs and budget. Allstate also offers a helpful tool, Quick Estimates, that makes it easy to obtain quotes online.
4. Progressive
Progressive is recognized for its flexible policies and affordable rates. Their Snapshot program evaluates the driver's habits and can lead to significant discounts for safe driving. For students, Progressive also offers discounts for maintaining good academic performance, helping to reduce overall insurance costs.
5. Nationwide
Nationwide’s SmartRide program uses telematics to monitor driving behavior, rewarding safe driving with discounts on premiums. They also offer a good student discount, making it a solid choice for students looking for affordable coverage. Additionally, Nationwide’s customer service is highly rated, providing support to students navigating insurance options.
Tips for Students to Save on Car Insurance
While the above companies offer some of the best cheap car insurance plans for students in Illinois, here are some additional tips to help maximize savings:
- Maintain Good Grades: Many insurance providers offer discounts for students with good grades. Keep an eye on your academic performance to take advantage of these savings.
- Choose a Parents’ Policy: If possible, consider being added to a parent's existing policy. This can often provide lower rates than obtaining a separate individual policy.
- Take a Defensive Driving Course: Completing a defensive driving class can sometimes earn you additional discounts, demonstrating your commitment to safe driving.
- Compare Quotes: Always compare quotes from multiple providers to ensure you're getting the best rate. Online tools can help simplify this process.
- Opt for Higher Deductibles: If you're comfortable with the choice, opting for a higher deductible can lower your monthly premiums significantly.
By considering these affordable options and implementing additional cost-saving strategies, students in Illinois can find the best car insurance that meets their needs and budget. Remember to regularly review your insurance policy to ensure you’re still receiving the best rates available as your circumstances change.
