How Much Does Auto Insurance Cost for Police Officers in Illinois?

Wouldn’t this article be short if we could look into our crystal ball and tell you that one special company that has the best insurance prices for police officers? Unfortunately, it’s just not that easy, as there are many unknown aspects such as if you are a homeowner, the area you live in, if you are single or married, and how much you actually drive in a year, that all impact the cost of coverage. Car insurance is kind of a dry topic, but this article will explain some of these things and will hopefully give the reader a jump start in finding the best auto insurance.

One of the more important factors that help determine the amount you pay for auto insurance is where you choose to live in Illinois. Areas with increased crime or more people like Cicero, Berwyn, and Oak Lawn are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The information below displays the highest-priced areas in Illinois for police officers to purchase car insurance in.

Rate information is comparative as the specific area where the vehicle is garaged can decrease or increase prices greatly.

Determining which companies offer the best auto insurance rates for police officers calls for a bit more effort in order to find the lowest price quote. Every insurance company uses a slightly different approach to set their prices, so we’ll go over the auto insurance companies with the overall best prices in Illinois.

It’s important that you understand Illinois auto insurance rates are determined by lots of factors that may substantially change the price you have to pay. Turning one year older, filing a claim, or getting a ticket for careless driving may cause policy rate changes that can make some companies affordable when they were higher priced.

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google.charts.setOnLoadCallback(drawILT5qcibChart);function drawILT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 746, ‘#FF5733’], [‘Rockford Mutual’, 813, ‘#D4482A’], [‘Titan’, 852, ‘#B03C23’], [‘Cincinnati Insurance’, 897, ‘#92321D’], [‘Erie’, 905, ‘#792918’]]);var options = {title: ‘Top Five Cheapest Auto Insurance Companies in Illinois’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1005,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

The Hartford offers some of the best car insurance rates in Illinois at around $746 per year. Rockford Mutual, Titan, Cincinnati Insurance, and Erie also are some of the cheaper Illinois car insurance companies.

In the rate table above, if you are a policyholder with Titan and switched to The Hartford, you may realize a yearly price reduction of around $106. Drivers with Cincinnati Insurance may save as much as $151 a year, and Erie customers might lower prices by $159 a year.

Bear in mind that those prices are averaged for all ages of drivers and types of vehicles and and are not figured with a price decrease for police officers. So the company that can offer you the best rate may not even be featured in the list of companies shown earlier. That illustrates why you need to get quotes using your own driver and vehicle profiles.

The model of vehicle that needs insurance is one of the primary factors when shopping around for cheap insurance for police officers in Illinois. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than safer models. The lists below illustrates auto insurance prices for the most economical automobiles to insure.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in zip code location which can affect rates substantially.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in specific Illinois garaging location which can raise or lower premium rates significantly.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific Illinois garaging location which can modify auto insurance rates substantially.

The information below demonstrates how choosing different deductibles can impact insurance costs when searching for cheap insurance for police officers. The data assumes a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

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A 50-year-old driver could lower rates by $206 a year by increasing from a $100 deductible to a $500 deductible, or save $312 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could drop their prices $526 each year by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it will now be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Discounts on cheap insurance for police officers in Illinois

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-police-officers-il.jpg" alt="Cheaper Illinois auto insurance for law enforcement personnel” />Insurance companies that sell policies for police officers could also offer premium discounts that may potentially lower prices by 25% or more if you meet eligibility requirements. Popular auto insurance companies and some of the discounts include:

The information below compares insurance prices with and without discounts applied to the policy rates. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, Illinois state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, marriage, claim-free, vehicle safety, defensive driving course, and multiple vehicle discounts applied. When taking advantage of discounts, the the amount saved on auto insurance for police officers is % or $.

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How to find economical auto insurance for police officers

The list below shows some of the better penny-pinching solutions that can help Illinois drivers quote cheap auto insurance.

• Discounts for being claim-free can be substantial
• Do not insure for full coverage
• Buying home and auto insurance together can earn discounts
• Safer vehicles generally have cheaper insurance rates
• Increase your comprehensive and collision deductibles
• Improve your credit rating
• Comparison shop at least every other year

That last piece of advice is highly necessary, as was affirmed in the prior article. Auto insurance rates can change considerably based on profitability, so don’t be tentative to switch companies if a cheaper price is available.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying a small fortune year after year. It only takes a couple minutes to compare prices to find cheaper auto insurance for police officers.