Helpful agents are standing by: (312) 470-6943
Press play below to listen to our audio commercial:

Tips in Finding Dependable Yet Low Income Illinois Car Insurance

Getting car insurance with no employment can be as hard as squeezing water from stone or even impossible. From the business perspective, if you are a lender you definitely would not give auto insurance to an individual with no employment or steady source of income. This is because the customer may default payment leading to losses. There are a lot of people who deserve having motor vehicle insurance cover to protect them from physical injury or motor vehicle and property damage in the event of an accident but are turned away by insurance carriers because they are unemployed. There is light at the end of the tunnel, having the right information when applying for auto insurance will help you acquire cheap car insurance cover without employment. The following is what you will need and the instructions that you will follow.

1. Proof of income. It is almost impossible to get auto insurance without a source of income, you may be unemployed but you get money regularly from legal settlements or retirement benefits, you may also be running your own business that gives you some money. You need to have a bank statement or tax returns form as a proof of income so as the insurance company can gain confidence in you. This is the first necessity in getting Illinois cheap car insurance.

2. Have your credit score. Make sure that you have all the information concerning your bills payments, you can also save and make a copy or your loan repayments. If you pay all your bills on time and in full you will not only proof to the auto insurance company that you have a steady source of income but you have little chances of filing a claim in future. This will also enable you to get low interest rate which translates to low monthly premiums.

3. Insurance information. If you had auto insurance cover with another company make sure that you carry all the communication with that company. If the insurance coverage was cancelled because of reasons not caused by your low income you will definitely convince the new auto insurance company to sell you insurance policy.

4. Have a co-signer. This is a person probably with steady monthly income and good credit score, this person will act as a guarantor and promise to pay your premiums in case you default to pay the monthly premiums due to lack of income. It may be difficult to get a co-signer since you may be unable to manage the premiums leading the co-signer to problems but you can ask your family member or close friend to do this for you as you make plans of sourcing for funds. Getting a co-signer with high credit scores will definitely get you cheap car insurance in Illinois but defaulting your payments will get him/ her in financial troubles.

Local drivers may qualify for rates as low as $4/wk. Enter your ZIP on the top of this page, then compare FREE Quotes for maximum savings and enjoy Illinois cheap car insurance coverage.

How Buying Auto Insurance in Illinois Online Can Crucially Benefit Low Income Groups

Are you unemployed or lack a stable source of income? This negatively interferes with your credit report which in turn lowers your credit score. Credit score is the rate that you get basing on your performance in paying your bills, loans and debts. Late or default in payments lowers your credit score making it difficult for you to acquire auto insurance as you are considered to be of high risk. There are also people who lack credit scores making it difficult for them. With the introduction of “high risk pool” it is possible to get car insurance but comes with high interest rate and expensive monthly premiums.

AutoInsuranceInIllinoisCurrently there are a lot of insurance carriers that have penetrated the market enabling unemployed and cash stricken motorists to get Illinois cheap car insurance. This protects you from expenses caused by damages in the event of n accident. The following is a smart guide of what you need in order to enjoy this coverage.

1. Gather all your bill information. The major reason why you do not have credit history and score is because maybe you are a graduate whose bills have been paid for by his/ her parents or you have not started paying your student loans. All you need to do is to look for any receipts showing payments that you have made, if you have started paying your student loans make sure that save and make a copy of all the receipts from the relevant financial institutions. To give you a head start make sure that you start paying your bills and student loans to your different private lenders on time and without default. You will need this information when purchasing auto insurance.

2. Proof of source of income. You need to show that you have a steady supply of income, you may not have gotten a better paying job but you may be receiving income from your small business or you first job. You should have some financial wisdom and ensure that no matter how small the income is, deposit some steady amount each month into your account. You will need to make a copy of your bank statement from your bank as a proof or tax returns.

3. Search for auto insurance company. Search for Illinois car insurance carriers offering cheap car insurance for people with low credit scores. Make sure that you use websites that allow you to compare several quotes and coverage offered by different companies. This will enable you get discounts, offers and save extra cash.

4. Have a co-signer. Since you have no or low credit score you need to have a co-signer, somebody who will act as your guarantor. He will make an agreement with the vehicle insurance company to pay for your monthly premiums in case you default your payments.

Compare Illinois cheap car insurance quotes offered by different insurance carriers in your local area by entering your zip code on top of this page; it’s easy, fast and FREE. Try it and you will be surprised to see how much you can save.

Important Factors Affecting Premiums of Auto Insurance in Illinois You Need to Remember

In Illinois, you are required by the law to have auto insurance. You are required to have liability insurance with a minimum requirement of $20,000 per person, $40,000 per accident and $15,000 for property damage. Uninsured cover for uninsured motorists with a minimum requirement of $20,000 per person and $40,000 per accident. Underinsured cover with a minimum requirement of $20,000 per person and $40,000 per accident. With the law making it a requirement for every motorist to have insurance and carry its proof while driving, it has created a very high demand for insurance policies. Keeping in mind the harsh global economic crisis, a lot of people have lost jobs while some find it very difficult to cater for their basic needs. This has attracted a lot of auto insurance carriers into the market to offer auto insurance coverage for these low income earners. This is an overview of auto insurance carriers that are offering pocket friendly quotes.

Auto insurance companies.

The following are some of the companies that offer cheap car insurance in Illinois: American home assurance, American international, Apollo casualty, Badger mutual, Delphi casualty, Illinois national, Madison mutual, Sentinel, Globe American and AIG. You can either visit the physical premises of these companies or access their websites from anywhere at any time, the good thing is that you will get the same services online as you would at their premises.

Their Benefits.

* Price discounts. With the high number of insurance brokers in the state, there is need from the brokers to attract a lot of customers so as to increase their sales and create their market share. One of the ways to do so is by offering price discounts so as to lure more customers who are looking to save extra cash.

* Low Premiums. With the very stiff competitive environment, the car insurance companies would like not just to attract a lot of customers but also to segment their customer base by retaining their customers and bring new business. They do so by charging low interest rates that make you pay less monthly premiums therefore enabling to save extra cash every month.

* Comprehensive Cover. Customer care and high quality service is what most auto insurance companies boast of, in case of an accident, you will be sufficiently covered and all you expenses taken acre off by your Illinois cheap car insurance. This is also a marketing strategy as every insurance company would like to boast of taking good care of their customers.

* Easy to file Claims. It is stated by the law that the maximum amount of time for one to file a claim and start getting compensation is 3 weeks or an equivalent of 21 days, this is a very short and good time as compared to other places that it takes months or even years before one is compensated.

Our website offers a listing of all the companies offering Illinois cheap car insurance plus their different quotes to help you in shopping so as to get better deals that will save you extra cash. Get these quotes by entering your zip code on top of this webpage.

Tips for Filing an Auto Insurance Claim and Getting Auto Insurance Quotes in Illinois

People are confused about filing for insurance claims. They don’t know when to file and when not to file for claims. Given below are few tips which if followed correctly will save you a lot of trouble later. If you are involved in an accident, irrespective of whoever’s fault it was, the first thing that you should decide is whether you would like to file a claim. Here you can follow the thumb rule which is if the damages are more than your deductible then you can file for a claim. Else do not file a claim. Every time you file a claim, irrespective of whose fault it is, it goes in your driving record.

In case you are involved in an accident, try to click pictures of your damaged vehicle with your camera cell phone.  The reason for taking pictures after an accident is because these can be used as evidence if required to prove your case.

AutoInsuranceInIllinoisFile the claim as soon as the accident occurs and do not delay. The sooner you file for claim, the sooner it is likely to be processed by your carrier. If you wait to file the claim, the carrier will correspondingly delay in settling it. The other party’s insurance company might also call you. Although this is very unlikely you need to be prepared for it. Be consistent with your story and provide the same version to your insurance company and the other party’s insurer. Any inconsistency in your versions could go against you. Insurance agents are highly trained in investigation techniques so be as truthful as possible as they have ways to get to the truth. They can appear very friendly and empathize with you but be careful around them.

Always try to help the insurance adjuster in filing a claim as it will help to speed up the claim. By following these steps you can see for yourself that filing a claim need not be a hassle. The trick is to inquire about the claims procedure at the time of getting auto insurance quotes in Illinois. If you know the procedure in advance you will ensure that everything is in place when you file your claim.

The best way to ensure that you do not face any hassles at the time of filing claims is to inquire with your insurance agent about the claims procedure at the time of getting car insurance quotes in Illinois. Most low income people skip this important step which causes a lot of confusion later. Be clear with your insurance provider about your insurance requirements and familiarize yourself with the process of filing claims.

To know more about car insurance quotes in Illinois you can enter your zip code at the top of this page.

Getting Illinois Cheap Car Insurance by Following Steps on How to Avoid Road Accidents

Farmers in rural areas generally come under low income group and their insurance requirements are different than people living in urban areas. They encounter situations like a flat tire on a highway or the car stuck in snow more often. In such situations the car owner needs to be calm and follow certain instructions to ensure the safety of the passengers inside the car.

In case you encounter a flat tire while driving, reduce the speed of your vehicle and take it to the shoulder of the road even if this means damaging the tire. Do not leave your car stranded in the middle of the road. Always ensure that you move it to safety to one side of the road. This ensures that other vehicles do not dash against your car. Once your car is moved to one side of the road, you need to turn on the hazard lights to let other drivers know that your car is stationary. You can also put up reflective triangles to warn other drivers.

Once you have moved your car to safety you need to call your insurance company and let them know about your situation. Depending upon the type of coverage you have opted for, the carrier can arrange for a repair vehicle for you or even make alternate transport arrangements for you. Or you would have to do this yourself and then submit your claim later to your Illinois cheap car insurance.

In winters, most often the wheels get stuck in snow and it becomes difficult to even move your car an inch. To prepare for these kinds of emergencies you should always keep few items in your car like a blanket, shovel and emergency torch lights. If you are able to remove the snow and start your car in case it is stuck in snow, you can do that else you need to wait and call for help.  Hence carry an extra warm blanket to protect yourself from freezing temperatures.

In case of an accident, if you are able to move, take the car to safety. In case you are unable to move at all, stay inside the car and call for help.

These are simple tips to ensure that there are no major hassles when your vehicle is stuck due to a flat tire, snow or accident. By following these instructions you can ensure that your Illinois cheap auto insurance company can assist you in the best possible way.

Before you even opt for car insurance you need to compare amongst different carriers and choose a product which suits you best. Consider the situations you might face if you are a low income Illinois cheap auto insurance policy holder before opting for any auto insurance plan. Simply enter your zip code at the top of this page to get insurance quotes from carriers.

Tips About the Importance of Gettng Rental Car Insurance in IL

We are given the option of rental car insurance every time we rent a car. But the question is do we really need rental car insurance in IL? Most people buy rental car insurance so that they can be covered but most of the time this is just an unwanted expense which can easily be avoided without any problems. Before buying this insurance it is advisable to weigh all your options.

The first thing that you should do before renting any car is to contact your insurance advisor. You need to check with your advisor if you are covered while renting a car for pleasure. In most of the cases you should be covered but check with your agent for any terms and conditions. Some insurance companies impose limits on insurance coverage even for rental cars so it is advisable to ask your agent first.

Nowadays most credit card companies offer free rental car insurance as part of their credit program. You might want to check with the insurer and your credit card what is included and what is excluded as part of this. Different credit cards have different schemes so it is not necessary that what one card covers another will also do the same thing.  Most credit card companies don’t provide coverage for vehicles rented outside the United States so you need to keep that fact also in mind.

If you are employed with any company check if the company has any travel policy and if travel insurance is included in this policy. Some companies do provide this as a benefit to their employees. You can check with the travel desk in your company about travel insurance and whether you would need to purchase additional travel insurance. Also check what is covered and what is excluded in your company’s travel insurance policy.

To summarize rental car insurance can be covered in many ways through things that you already might be paying for like credit card, company travel insurance, etc. If you feel that your existing insurance cover is adequate and it includes rental car insurance then you do not have to buy additional rental car insurance. However if you really aren’t sure and want peace of mind then you should buy rental car insurance. Many insurance companies have exclusions so it will be better if you look at the exclusions before buying rental car insurance. The best option would be to do your homework properly and take the best decision as per the situation.

To know more about rental car insurance in IL you can put your zip code at the top of this page.

The Secret in Getting Good Student Discount for Car Insurance in IL

Not all students can qualify for car insurance discount in IL. There are certain criteria that the student needs to meet before applying for a student discount.

•             The first criterion that a student should meet to qualify for a student discount is age limitation. There is a limit on minimum and maximum age for this discount. The student should not be more than 24 years and less than 16 years to avail this discount.

•             This discount is not available to part timers or students opting for correspondence courses or distance education. The student discount for car insurance in IL is applicable to only full time school and college students.

•             Academics have a fair amount of weightage while deciding the student discount. The minimum grade that a student needs for this discount is B or a 3.0 GPA or the student is on the Dean’s list of Honor roll.

Different insurance providers have different parameters so there could be variations in the above criteria. It is better to check with your carrier before applying for a student discount.

The student has to prove that he is a good student to avail this discount. Most insurance companies accept the report card or a letter from the school as a legal proof of the applicant being a good student. One thing to be borne in mind here is that if a student gets a student discount it is valid only for that academic year. There is no automatic rollover of the discount to the subsequent years. Every year the student has to provide new proof to be eligible for the discount. Otherwise the insurance provider will discontinue the discount.

Students who work during their holidays to earn some additional income have few resources to depend upon. Most will seek insurance cover under their parents’ car insurance plan. In case you want to enroll your child under a separate insurance policy you can inquire about student discount with your carrier. It is possible that not all carriers would have this discount so you would need to shop around before you find someone who meets your expectations.

From the students’ perspective all they need to do is maintain a good academic record and a decent driving record to ensure that they qualify for the good student discount. It is a good way of saving some money on the insurance premiums and if the students are themselves paying the premium then it is vital that they can save as much as they can.

Not all carriers offer student discount on auto insurance in IL. It is advisable to do a thorough research before selecting any carrier. You can search online for insurance companies who offer this discount.

Enter your zip code at the top of this page and you will get instant insurance quotes.

The Secret in Finding Dependable and Low Income Illinois Car Insurance

You would need car insurance if you want to drive a car legally in Illinois. But driving a car without insurance in Illinois would attract trouble. Fortunately there are ways to find low income car insurance.

The first thing that you need to do is evaluate your current car insurance and see whether you really need that type of coverage or if your need is something else. This evaluation can help you a great deal in saving on your insurance premiums. In case your car value is considered low you there is no need to opt for collision coverage at all. By evaluating your insurance needs you will find out that there are many opportunities to reduce your insurance premiums. Collision coverage can really make a big difference to your insurance premium and not opting for it can save you from hefty insurance premiums. If you do not have many assets it again will be in your favor to reduce the coverage as there are few chances that you would ever be sued in case you get involved in an accident.

Paying insurance premiums on a half yearly or yearly basis is a good idea as compared to paying them on a monthly basis simply because if you don’t have a good income source you can prioritize your expenses. Also you will figure out that paying on a half yearly or annual basis will help you save decent amount of money as compared to paying on a monthly basis. You can choose an insurer that accepts payments on a half yearly or annual basis.

Different insurance companies have different methods of calculating risks. Similarly they have different methods of calculating premiums.  For low income individuals it makes sense to search for insurance plans from multiple insurance companies. This way you can compare the plans and choose the one which meets your requirements and which is the least expensive. Smart people will always try to get quotes from as many companies as possible before selecting an insurance plan.

There are many ways of getting quotes from Illinois car insurance companies. The best way is to compare insurance quotes from different auto insurance companies is to search for them on the internet. There are many websites which do a comparison between different insurance companies. All you need to do is fill out certain personal details and you will get insurance quotes, plan information and contact details from various Illinois car insurance companies. And you can do this from the convenience of your home or office. You can even speak to your friends and relatives and get valuable tips from them regarding.

You can type your zip code at the top of this page for more information and quotes on low income Illinois car insurance.

How Buying Online Auto Insurance in Illinois Can Benefit Low Income Groups

There are many advantages of buying online auto insurance in Illinois.

•             In the past you would’ve spent hours in calling up insurance agents representing different carriers. You could then compare the plans of different carriers selling auto insurance in Illinois. The internet has cut down the time to minutes as you can get quotes from many companies on one site. This helps in comparing different quotes instantly.

•             The internet has made not only buying an insurance policy simpler but it has also reduced time for other activities like paying the premiums, registering claims, changing policy coverage, etc. Once a quote is provided the user can browse through the policy document and decide what he needs and what he doesn’t. All policy details are available online. So you can access, store and print them as and when you need them.  There is no need to wait for long hours to get these policy documents in mail.

•             Making any changes has become simple with the internet. You can make changes with a simple click of the mouse. These changes can be made anytime anywhere. For example if you want to file an accident claim on your agent’s off day, you can do so on the internet. You simply fill in the details in an online application and can track the progress status of your claim very easily online.

•             There are many websites which are dedicated to consumer rights. These websites publish stories, review and ratings of different insurance companies. You can read the reviews and feedback for different insurance companies before deciding to buy insurance from them. You will get to know how well these insurance companies treat their customers.

•             The internet has created a market where everyone is trying to sell something. This pushes companies to bring affordable products to the general public.

The cost of insurance online is always less and low income groups should definitely take advantage of the discounts. They can compare various insurance plans and choose the one which is most beneficial to them and suits them perfectly. Not only do they get good deals they can compare from various providers which further makes buying insurance cheaper.

With increasing competition, internet reach and insurance awareness amongst the low income groups, these are exciting times to buy car insurance in Illinois online. One can make use of the amazing offers available online. In case you want to know more about car insurance in Illinois you can enter your zip code at the top of this page. You can fill in some minor personal details and you will instantly get quotes from insurance companies. This will not only save you time but also money. You can browse through all available policies and choose the one which is best for you and your family’s auto insurance needs.

Thing to Know About Factors Affecting Premiums of Auto Insurance in Illinois

There are some factors of auto insurance in Illinois which you can change and some you can’t.AutoInsuranceInIllinois

•             Age: Statistics show that young drivers below the age of 25 years are more likely to get involved in road accidents. The age group where you are least likely to get involved in accidents is between 55 years to 65 years. Correspondingly young drivers are considered to be riskier than older drivers. Therefore there is a higher premium for young drivers.

•             Gender: Studies have shown that women drivers are safer than men drivers. Insurance companies bear this fact in mind while deciding the monthly auto insurance premiums.

•             Marital status: Married person is considered less risky by auto insurance companies and therefore the insurance premium for married people is less.

•             Area of residence: People living in rural areas face less traffic compared to those living in urban areas. Also crime in certain areas is higher. Insurance companies demarcate residential areas on the basis of risk and the premium is also set as per the risk levels.

•             Driving record: A person with a good driving record is less likely to be involved in a road accident in the future. Hence the premium will also be less. Some insurance companies also consider accident history and whether the accident was a result of your fault.

•             Type of vehicle: Certain types of vehicles like sports cars are considered to be more risky while certain types like sedans are considered to be less risky by insurance companies. Riskier cars attract higher insurance premiums.

•             Driving practices: The distance that you drive daily, the purpose of use of your car, the number of people using the car and the number of people covered under the insurance policy, all these factors determines the car insurance policy premium.

While there are other factors also like job stability, credit score, etc. which influence premiums of auto insurance in Illinois, they are at the discretion of the insurance company and the insurance company could choose to ignore these factors.

People who want auto insurance coverage but do not want to pay hefty premiums can look at the factors which are driving higher premiums and see if they can be changed. For example if your area has a high crime rate, you can try to relocate to an area which has a lesser crime rate. Improving credit score is another way to avail cheap auto insurance in Illinois. Most people don’t do adequate research before applying for cheap auto insurance. It is always advisable to inquire about your insurance needs with a couple of insurance providers before finalizing a deal.

This way you can ensure that you get the best insurance deal. For knowing more about cheap insurance and comparing offers from various insurance companies, you can simply enter your zip code at the top of this page.