Who Has Cheap Car Insurance Quotes for Welfare Recipients in Illinois?

Wouldn’t it be nice if we knew the one best car insurance company that has the best rates for welfare recipients? Regrettably, it’s not quite that easy, as there are a whole slew of unknown elements like the liability limit you need, how much you actually drive in a year, if you want full coverage included, and whether you have prior claims, that all factor into the price you pay. In this article, we will teach you about the different ways you can keep rates low and educate you enough to have a good start to your coverage search.

Finding reasonably-priced auto insurance is not always easy, and finding out which insurers offer the lowest-priced auto insurance rates for welfare recipients calls for even more perseverance. Each insurer has a different process to set their prices, so let’s take a look at the auto insurance companies that tend to be cheaper in Illinois.

It’s important to understand that Illinois auto insurance rates are based on many factors that control the cost of a policy. Simply having another birthday, buying a higher-value vehicle, or having an accident may prompt premium changes resulting in some rates now being more expensive than others.

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The Hartford may have some of the lowest car insurance rates in Illinois at around $746 a year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also rank well as some of the best Illinois car insurance companies.

As the example above demonstrates, if you have coverage with Cincinnati Insurance and switched to Rockford Mutual, you might achieve yearly savings of approxmiately $77. Drivers with Travelers could save as much as $114 a year, and Utica National insureds might reduce prices by as much as $117 a year.

It’s important to note that these rates are averages across all drivers and vehicles and and are not figured with a rate discount for welfare recipients. So the auto insurance company that is best for you may not even be included in the company chart above. That’s why you need to get auto insurance quotes using your own driver and vehicle profiles.

The car, truck, or SUV on the policy is probably the biggest factor that determines the availablility of cheap auto insurance for welfare recipients in Illinois. Vehicles with reasonable performance levels, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than high performance models. The data below presents insurance prices for a number of the cheaper automobiles to buy insurance for.

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, homeowner, and claim-free. Prices do not factor in specific location which can raise or lower prices greatly.

By looking at the data, we can tell that cars like the Honda CR-V, Toyota Prius, and Subaru Forester are going to be some of the most economical vehicles to insure for drivers on welfare.

Rate increases following a ticket or accident

In a perfect world, the best way to maintain low auto insurance rates in Illinois for drivers on welfare is to drive safely and avoid getting tickets or having accidents. The example below highlights how speeding tickets and at-fault fender-benders influence premium costs for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.

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In the previous chart, the average cost of auto insurance in Illinois per year with a clean driving record and no accidents is $1,431. Factor in two speeding tickets and the average cost rises to $1,982, an increase of $551 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for welfare recipients goes up to an average of $3,845. That’s an increase of $2,413, or $201 per month, just for not being more responsible behind the wheel!

Company comparison: Allstate vs Geico vs Progressive vs State Farm

When shopping for car insurance for drivers on welfare in Illinois, four of the larger companies to compare rates for are Allstate, Geico, Progressive, and State Farm. Combined they have about half of all car insurance policies in America. The data below illustrates ratings for price, service, and claims, in additional to some of the optional coverages offered by each company.

Ideas for buying budget-friendly insurance for welfare recipients

Here are many thrifty ideas that can help Illinois drivers get the cheapest car insurance.

• Raise deductibles
• Having at-fault accidents will increase rates
• Good credit scores may make rates cheaper
• Buy your homeowners policy from the same company as your auto insurance
• Save money by obeying traffic laws and keeping a clean driving record
• Pay for small claims rather than turning them in to your insurance company
• Keep rates low by shopping around frequently

The last tip in the list is particularly crucial, as we pointed out in the prior information. Insurance rates can change considerably in a year, so don’t hesitate to switch companies if you can find a cheaper rate. Sticking with a specific company is fine, but is isn’t recommended if that inflexibility results in costing you a lot of money every month. In just a few minutes you could compare prices to find cheaper auto insurance for welfare recipients.