Cheapest Auto Insurance for Government Employees in Illinois

The words “low-priced” and “auto insurance” really don’t belong together, specifically when you are searching for the lowest insurance prices for government employees. To help control this cost, let’s open your eyes to some things that have a considerable impact on insurance premiums, and see how we can help you take the sting out of the next policy you buy.

When shopping for car insurance for state and federal workers, one of the many factors that is looked at to determine a rate quote is where you normally keep your vehicle in Illinois. More populated areas like Cicero, Berwyn, and Des Plaines tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The information below lists the higher priced cities in Illinois for government employees to purchase car insurance in.

Rate quotes are approximated as the specific zip code location can modify price quotes considerably.

Finding out which company offers the best car insurance rates for government employees involves a tad more effort in order to find the most economical policy.

Each auto insurance company has a proprietary method for filing rates in each state, so let’s rank the car insurance companies that tend to be cheaper in Illinois.

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The Hartford quotes some of the cheapest car insurance rates in Illinois at around $776 per year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance would also make the list of some of the most economical Illinois auto insurance companies.

In the rate table above, if you are a customer of Rockford Mutual and switched to The Hartford, you might realize a yearly price reduction of in the neighborhood of $62. Drivers with Titan might save as much as $84 a year, and Erie policyholders might reduce rates by $129 a year.

It’s important to note that these rates are averaged for all ages of drivers and types of vehicles and do not take into consideration a rate discount for government employees. So the car insurance company that can offer the best rates for your situation may not even be featured in the above list. That points out the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.

The vehicle model that needs insurance is a significant factor that determines whether or not you find the lowest-priced auto insurance for government employees. Vehicles with high performance features, a lack of modern safety features, or an increased likelihood of liability claims will cost more to insure than safer models.

The information below shows coverage premiums for some of the most budget-friendly vehicles to buy insurance for.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in your specific Illinois location which can lower or raise price quotes significantly.

Based upon these rates, we can presume that makes and models like the Hyundai Tucson, Toyota Prius, Honda CR-V, Chevrolet Traverse, and Ford Escape are likely to be a few of the cheaper vehicles to insure for state and federal workers.

The chart below highlights how deductible choice can change insurance prices when trying to find cheap insurance for government employees. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2479,2247,1993,1751],[‘Age 30’, 1309,1189,1047,913],[‘Age 40’, 1251,1139,1011,887],[‘Age 50’, 1145,1041,925,813],[‘Age 60’, 1125,1023,909,799],[‘Age 70’, 1279,1171,1049,933]]);var options = {title: ‘Effect of Higher Deductibles on Auto Insurance Prices in Illinois’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 30-year-old driver could lower their car insurance rates by $240 a year by switching from a $100 deductible up to a $500 deductible, or save $364 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could possibly save as much as $728 annually just by using higher deductibles. If you do raise deductibles, it is necessary to have enough in a savings account to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Should you buy full coverage?

Finding the cheapest auto insurance for government employees in Illinois should be important to most people, and a good way to lower the cost of insurance is to only pay for liability coverage. The diagram below shows the difference between insurance rates with and without full coverage. The premiums are based on no violations or claims, $1,000 deductibles, drivers are single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 1867,797],[‘Age 30’, 989,441],[‘Age 40’, 961,409],[‘Age 50’, 883,385],[‘Age 60’, 855,379],[‘Age 70’, 1065,503]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Illinois’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, physical damage insurance costs an extra $1,103 per year more than just insuring for liability. Many people question if paying for full coverage is a waste of money. There isn’t a written rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $10,000 after you pay the deductible. If premium cost is more than $1,000 annually for full coverage, then it could be time to drop full coverage.