Cheapest Car Insurance for Veterans in Illinois

Comparing quotes for budget auto insurance is confusing at best, and deciding which company quotes the lowest-priced car insurance rates for veterans calls for a bit more work. Each company has their own guidelines for determining prices, so let’s begin by taking a look at the lowest cost car insurance companies in Illinois.

Best Auto Insurance Prices for Vets

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The Hartford generally has some of the cheapest car insurance rates in Illinois at around $776 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also some of the most economical Illinois car insurance companies.

As shown in the table above, if you have coverage with Erie and switched to The Hartford, you could earn a yearly price reduction of about $111. Customers with Cincinnati Insurance could save as much as $148 a year, and Travelers policyholders might realize rate reductions of up to $205 a year.

Be aware that those policy rates are averaged for all types of insureds and vehicles and do not take into consideration a price decrease for veterans. So the auto insurance company that can offer you the best price may not even be shown in the company chart above. That’s why you need to compare prices as often as possible using your own driver and vehicle profiles.

The vehicle driven is probably the largest consideration that determines whether or not you find the cheapest car insurance for veterans in Illinois. Vehicles with economical engines, an excellent safety record, or low incidents of liability claims will cost less to insure than fast, unsafe models.

The information below ranks insurance premiums for a handful of the most cost-effective automobiles to buy coverage for.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in specific zip code location which can impact auto insurance rates considerably.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in garaging location in Illinois which can change coverage prices greatly.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific garaging location which can increase or decrease coverage prices significantly.

State Farm, Allstate, Geico, and Progressive compared

If you are looking for the best auto insurance, the most popular companies are State Farm, Allstate, Geico, and Progressive. The following table compares and contrasts pricing and service ratings, as well as optional policy coverages that policyholders can buy.

Who has the cheapest insurance quotes for veterans?

There are a variety of different ways to shop around for car insurance in Illinois, but the most frequently used are through an independent agent, an exclusive agency like State Farm or Allstate, or from a direct company like Progressive or Geico.

All three ways can provide car insurance quotes, but each is slightly different in how they function.

Independent agencies can place your business with multiple companies and can get rate quotes from each one. They will provide you with more rates, which may give you the best idea of how your rates compare. If they quote lower rates, your policy can be moved and you do not have to find a new agent.

Exclusive agencies are only able to write business for just one company, two of the more popular are Allstate or State Farm agents. These agents usually cannot quote prices from more than a single company, so it’s a good idea to get additional price quotes.

Choosing to buy car insurance direct means you do not use the middleman (the agent) and instead shop from a direct company like Progressive or Esurance. This car insurance option may be the best choice people who have an average risk profile and have knowledge of the exclusions of a policy.

So comparing independent agents, exclusive agents, and direct, which one works best to buy the cheapest car insurance for veterans in Illinois? The majority of people assume that shopping direct results in the cheapest rates because there is no agent involved, but in reality, that argument does not hold true. We’d also like to say an independent agent results in the cheapest rates due to more options, but again, that’s not accurate. For some people, the exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Due to the large number of rating factors, really the best method to buy the cheapest coverage is to compare, compare, and compare some more. We recommend you get quotes from all three types in order to have enough rates to compare. For a list of companies offering online discounts in Illinois, click here to view.