Who Has Cheap Auto Insurance Quotes After a Speeding Ticket in Illinois?

It would sure be easy if we could simply give you the name of the one best company that has the best deal on coverage in Illinois. It’s not that easy, however, as there are many unknown aspects like whether you are married, whether you are a woman or a man, how far you drive each year, and if you just need liability coverage. The information below will cover these types of topics and will hopefully give you a solid foundation to find cheaper car insurance in Illinois.

The make and model of vehicle to be insured is probably the biggest factor when trying to find the best cheap car insurance after a speeding ticket. Vehicles with lots of speed or power, poor safety features, or an increased likelihood of liability claims will cost more to insure than more economical and safe models. The list below features insurance rates for some of the more afforable automobiles to insure in Illinois.

Data variables include single female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in zip code location which can raise or lower premiums substantially.

Based upon the rates shown, makes and models like the Jeep Wrangler, Chevrolet Traverse, Honda CR-V, Ford F-150, and Honda Accord will be the less-costly vehicles to insure after a few driving violations.

Deciding which company quotes the best insurance rates after a speeding ticket takes more work than just getting one or two price quotes. Each auto insurer has a different process to determine rates, so let’s take a look at the insurance companies with the overall cheapest rates in Illinois.

It’s a good idea to be aware that Illinois insurance rates are based on many factors that will increase or decrease the cost of a policy. Simply turning a year older, increasing liability limits, or having a fender bender can trigger price changes resulting in some companies being affordable when they were higher priced.

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The Hartford quotes some of the most affordable car insurance rates in Illinois at around $769 each year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance would also make the list of some of the more affordable Illinois insurance companies.

As the example above demonstrates, if you are insured with Rockford Mutual and switched to The Hartford, you may see an annual savings of roughly $69. Insureds with Titan might save as much as $83 a year, and Erie insureds might realize rate reductions of up to $109 a year.

To find cheap car insurance after a speeding ticket in Illinois for your vehicle, click here to start your custom quote or visit several of the following companies.

Understand that those policy prices are averaged across all types of insureds and vehicles and do not take into consideration a price discount after a speeding ticket. So the auto insurance company that fits you best may not even be featured in the list of companies shown earlier. That illustrates why you need to quote rates from many companies using your own specific driver information and vehicle.

When shopping for cheaper car insurance after a few driving violations, one of the many things that aid in calculating the amount you pay each year for auto insurance is where your car is garaged in Illinois. Areas that are more densely populated or have higher claim rates like Cicero, Berwyn, and Des Plaines are more likely to pay higher prices, whereas more rural areas generally pay less for car insurance.

The table below lists the most expensive cities in Illinois after a speeding ticket in which to purchase auto insurance.

Annual rates are approximated as zip code location can affect coverage prices significantly.

The information below shows how choosing a deductible can impact premium costs when researching cheap insurance after a speeding ticket. Data assumes a single male driver, comp and collision included, and no additional discounts are factored in.

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In the chart above, a 50-year-old driver could cut expenses by $290 a year by increasing from a $100 deductible up to a $500 deductible, or save $436 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could possibly save as much as $968 every year by selecting a higher deductible.

If you make the decision to raise deductibles, it will be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Reckless driving habits raise Illinois insurance rates

The easiest way to get cheap car insurance after a speeding ticket in Illinois is to be a cautious driver and avoid at-fault accidents and violations. The information below highlights how traffic violations and at-fault claims can impact auto insurance costs for each age group. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2159,2347,2873],[‘Age 30’, 1105,1295,1821],[‘Age 40’, 1081,1271,1795],[‘Age 50’, 995,1185,1711],[‘Age 60’, 977,1167,1691],[‘Age 70’, 1155,1345,1871]]);var options = {title: ‘Accidents, Violations, and Illinois Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of car insurance in Illinois per year with no accidents or violations is $1,245. Receive one speeding ticket and the average cost increases to $1,435, an increase of $190 each year. Now include one accident along with the one speeding ticket and the 12-month cost of insurance after a speeding ticket increases to an average of $1,960. That’s an increase of $715, or $60 per month, just for not driving responsibly!

Find cheap car insurance after a speeding ticket in Illinois

It’s not impossible to find cheaper rates, and here are some penny-pinching solutions that can help you buy lower-cost coverage.

• Avoid having at-fault accidents
• Higher credit ratings may save you money
• Raise your deductibles
• Buy a vehicle with excellent safety ratings
• Remove physical damage coverage on older vehicles
• Avoid speeding and other traffic citations and pay less
• Shop around once a year for cheaper rates

The last tip is notably critical, as was emphasized in this write-up. Insurance rates in Illinois vary considerably, so you should be ready to change to a new company if a cheaper price is available. Staying with the same company for years is fine, but we do not recommend it if that faithfulness ends up costing you hundreds of dollars a year. It takes less than five minutes to shop around to find cheaper auto insurance after a speeding ticket.