¿Recibiré SR22 si conduzco sin seguro?

¿Recibiré SR22 si conduzco sin seguro?

Por JD Glass

Todos los estados, con la excepción de Vermont, que le exige que demuestre que puede afrontar económicamente la responsabilidad del accidente, exige que todos los conductores tengan un seguro de automóvil. Si no lo hace, hay sanciones, y la primera podría ser un requisito de SR22. ¿Qué es eso que usted pregunta?

Es un certificado que el estado exige a los conductores que tienen algunas infracciones graves en su historial de conducción, y está directamente relacionado con que usted realmente tenga cobertura de seguro para conductores; lo que significa es que si conduce, DEBE tener cobertura Y el estado necesita sepa que está activo.

Además de que su compañía de seguros presente el formulario ante el estado (porque es quien responde por usted, la compañía de seguros), es posible que le proporcionen un certificado en papel o una anotación electrónica en su archivo estatal.

Es un hecho simple que aquellos que no tienen un seguro de automóvil activo se ponen en riesgo a sí mismos y a todos los demás. Si causa un accidente y no tiene seguro, es muy probable que no tenga los fondos para pagar a cualquier persona por sus pérdidas, incluida la suya.

Esta es una de las razones más importantes por las que conducir sin seguro podría resultar en la obligación de tener un formulario SR22.

La única forma de conseguirlo es a través de una agencia de seguros de automóviles.



Si conducir sin seguro es la razón por la que cumplió con el requisito SR22, tendrá que reiniciar su cobertura y es posible que se encuentre con problemas con el seguro.

Debido a que anteriormente ha conducido voluntariamente sin seguro, la empresa puede pensar que es probable que lo vuelva a hacer, lo que significa que las aseguradoras corren el riesgo de perder su inversión en usted. Debido a este riesgo, también es probable que le cobren más.

Hay algunas aseguradoras que ven los controladores SR22 como un riesgo demasiado alto para asegurar e incluso pueden negarse a emitirle una póliza, lo que hace que su búsqueda sea mucho más difícil.

¡Hay aseguradoras (como Consumers) que cubren los controladores SR22!

¡Lo más importante si tiene SR22 es mantener activa su cobertura!



Estas son las cosas que debe tener en cuenta para que no se le acabe el tiempo:
No renovar antes de que expire su plazo
No informar a la aseguradora si recibió multas, tuvo algún accidente (o ¡Incluso tengo un SR22!)
No actualizar la política si cambió de dirección, vehículo o incluso agregó uno.
Y el más importante: no pagar la prima.

Manténgase al tanto de todos estos para evitar una interrupción en la cobertura. Si su cobertura caduca, es probable que tenga más problemas, el menor de los cuales es que su período de penalización SR22 aumentará.

Sí, recibirá recordatorios de la empresa sobre cuándo pagar y cuándo renovar, pero no se limite a confiar en eso. Asegúrese de revisar, renovar y actualizar cuando sea necesario.

Hable con su aseguradora sobre cómo mantenerse activo y actualizado con su póliza. Pueden ofrecerle opciones como pagos automáticos, que deducen la prima de su cuenta con regularidad, mientras que la renovación automática se asegurará de que renueve su cobertura, siempre que no elija cambiar de póliza.

Si realiza un cambio, como una mudanza, compra un automóvil nuevo o incluso recibe más cargos por conducir, llame o envíe un correo electrónico a su agente y seguro de inmediato; de esta manera, su póliza se puede actualizar y puede estar seguro de que siempre tenga la protección que necesita.

Y hablando de mudarse, si de hecho se muda a un estado que no requiere SR22, el que ya tiene permanecerá activo y, en general, deberá mantener la cobertura, como parte del requisito para obtener una licencia. en el estado al que se ha mudado.

La cobertura SR22 puede demorar unos días e incluso un mes en activarse, así que tan pronto como obtenga todo lo que necesita, asegúrese de comunicarse con su agente, para que pueda averiguar sus próximos pasos y volver a la carretera.

www.consumerschicago.com

Will I Get SR22 If I Drive Without Insurance?

Will I Get SR22 If I Drive Without Insurance?

By JD Glass

Every state with the exception of Vermont--who requires you to prove you can financially afford accident responsibility--requires every driver to have car insurance. If you don’t, there are penalties--and the first might be an SR22 requirement. What is that, you ask?

It’s a certificate the state requires of drivers who have some severe offenses on their driving record, and it’s directly related to you actually having driver’s insurance coverage--what it means, is that if you drive, you MUST have coverage AND the state needs to know that it’s active.

In addition to your insurance company filing the form with the state (because that’s who vouches for you - the insurance company), you may be provided with a paper certificate, or an electronic notation in your state file.

It’s a simple fact that those who don’t carry active car insurance put themselves and everyone else at risk. If you cause and accident and you don’t have insurance, you might very likely lack the funds to repay anyone for their losses, including your own.

This is one of the larger reasons that driving uninsured could result you in being required to have an SR22 form.

The only way to get that is via an auto insurance agency.



If driving uninsured is the reason you got the SR22 requirement, you’ll have to restart your coverage, and you may find yourself with challenges with the insurance.

Because you’ve willingly driven without insurance before, the company may think that you’re likely to do it again, which means the insurers risk losing their investment in you. Because of this risk, they’re also likely to charge you more.

There are some insurers who view SR22 drivers as too high of a risk to insure and they may even refuse to issue you a policy, making your search just that much more difficult.

There are insurers (like Consumers) who do cover SR22 drivers!

The most important thing if you have SR22 is to keep your coverage active!



These are the things to look out for so you don’t let it lapse:
Failure to renew before your term expires
Failure to let the insurer know if you’ve received tickets, gotten into any accidents (or even got an SR22!)
Failure to update the policy if you’ve changed addresses, vehicles, or even added one.
And the biggest one: failure to pay your premium.
Keep on top of all of these to prevent a lapse in coverage. If your coverage does lapse, then you’re likely to run into further issues, the very least of which being that your SR22 penalty time period will increase.

Yes, you will get reminders from the company about when to pay and when to renew, but don’t just rely on that. Make sure you review, renew, and update when needed.

Talk with your insurer about how to keep active and up to date with your policy. They can offer you options such as automatic payments--which deducts the premium from your account regularly, while automatic renewal will make sure you renew your coverage--provided you don’t choose to switch policies.

If you make a change, such as a move, get a new car, or even receive further charges on your driving, call or email your agent and insurance right away--this way your policy can be updated and you can be sure to always have the protection you need.

And speaking of moving, if you do in fact move to a state that doesn’t require SR22s, the one you already have will remain active, and generally speaking you, need to maintain the coverage, as part of the requirement for getting a license in the state you’ve moved to.

SR22 coverage can take a few days and even up to a month to become active, so as soon as you get everything you need, make certain to contact your agent, so you can find out your next steps and get back on the road.


www.consumerschicago.com

¿Conductor adolescente? 5 formas de ahorrar

¿Conductor adolescente? 5 formas de ahorrar

Por JD Glass
Si usted tiene un conductor adolescente, hay 5 formas de ahorrar. Como ya leyó en nuestro , El seguro y sus conductores adolescentes los conductores más nuevos tienen los riesgos más altos (y esos números se duplican para los conductores jóvenes varones), y esto es parte de lo que hace que enseñar a los adolescentes a conducir bien, a conducir de manera responsable ya protegerse a sí mismos y a los demás mientras están detrás del volante sea una experiencia tan estresante.
Y la verdad es que si bien los adolescentes de entre 15 y 19 años son solo alrededor del 6% de la población, no solo representan el 8% de los gastos relacionados con las muertes y lesiones por accidentes automovilísticos, sino, lamentablemente, en los accidentes que involucran muertes de adolescentes, 63 % conducía en el momento del incidente.
Estos números son alarmantes para todos, desde los padres hasta otros conductores e incluso para las aseguradoras de automóviles. Y son conscientes de que no importa cuán cuidadoso sea su adolescente, es probable que corra un mayor riesgo de accidentes. Este es un riesgo más alto y es por eso que las primas para los adolescentes tienden a ser más altas en comparación con otros conductores.
Pero todavía hay cosas que usted, como padre / tutor legal, puede hacer para ayudar a mantener estos costos bajo control.

Lecciones de manejo y manejo defensivo:


Inscribir a su hijo adolescente (¡o incluso a usted mismo!) En un curso de manejo defensivo no solo tiene mucho sentido desde una perspectiva práctica (¡la práctica hace al maestro!), La mayoría de las empresas ofrecen un descuento para aquellos que han completado uno, y todo lo que usted tiene que hacer. envía el certificado a tu agente para que empiece a ahorrar.

Coche más seguro:


Si tiene más de un automóvil, puede asegurar a su adolescente con una póliza de automóvil para varios automóviles que cubrirá a todos los conductores, y esto significa que su adolescente está cubierto sin importar qué automóvil conduzca. Pero, si puede nombrar un operador principal para cada vehículo, nombre a su hijo adolescente como el operador principal del automóvil más seguro. Este es el que no solo es el más fácil de mantener (y reparar si es necesario), sino también el que tiene las mejores características de seguridad, y asegúrese de que sea el que usan con más frecuencia. Si lo hace, es probable que reduzca la prima en general.

Deducibles de la póliza para adolescentes:


Ya sabe que un deducible es la cantidad de dinero que paga un conductor asegurado por los costos de daños antes de que el seguro comience a pagar. Bueno, si la cobertura de su hijo adolescente incluye un seguro de colisión y de daños físicos a todo riesgo. Si aumenta el deducible, es posible que el agente de seguros pueda reducir la prima.

Las buenas calificaciones cuentan:


¡Y no solo en la escuela, sino también fuera de ella! Dado que los estudios muestran que los adolescentes con buenas calificaciones también son los conductores más seguros, un promedio de B más alto significa que su adolescente probablemente puede calificar para un descuento en su prima, si su aseguradora es una de las muchas que ofrece eso.

Sigue a ese adolescente:
Sí, existen aplicaciones para teléfonos inteligentes que permiten a los padres y tutores realizar un seguimiento de lo que hace su hijo adolescente al volante y cómo lo hace, y muchas aseguradoras le ofrecerán ahorros en sus tarifas si lo hace. Para incentivar aún más a los adolescentes y los padres, hay empresas que ofrecen estos programas de forma gratuita, así que asegúrese de preguntar para poder aprovecharlos.

Cuando se trata de ahorrar dinero en seguros de automóvil para conductores adultos jóvenes, hable con el agente sobre qué póliza y programa funcionará mejor para todos ustedes.
www.consumerschicago.com

Do you have a Teen Driver? There are 5 Ways to Save!

Teen Driver? 5 Ways to Save

By JD Glass
Do you have a Teen Driver? There are 5 Ways to Save! As you already read in our Insurance and Teen Drivers, the newest of drivers have the highest of risks (and those numbers double for young male drivers), and this is part of what makes teaching teens to drive well, drive responsibly, and to protect themselves and others while behind the wheel, such a stressful experience.
And the truth is that while teens of the age 15-19 are only about 6% of the population, they’re not only 8% of the expenses related to vehicle crash fatalities and injuries, but sadly, in accidents involving teen deaths, 63% were driving at the time of the incident.
These numbers are alarming to everyone, from parents, to other drivers, and even the auto insurers. And they are aware that no matter how careful your teen is, they’re likely to face a higher accident risk. This is higher risk is why premiums for teens tend to be higher when compared to other drivers.
But there are still things you as a parent/legal guardian can do to help keep these costs under control.

Driving Lessons and Defensive Driving:

Enrolling your teen (or even yourself!) in a defensive driving course not only makes great sense from a practical perspective (practice makes perfect!), the majority of companies offer a discount for those that have completed one, and all you have to do is send in the certificate to your agent to begin saving!

Safest Car:

If you have more than one car, you can insure your teen under a multi-car auto policy which will cover all the drivers under it, and this means your teen is covered no matter which car they drive. But, if you can name a primary operator for each vehicle, name your teen as the primary operator on the safest car. This is the one that is not only the easiest to maintain (and repair if necessary) but also the one with the best safety features--and make sure it’s the one they use most frequently. Do that, and it’s likely to lower the premium overall.

Teen Policy Deductibles:

You already know that a deductible is the amount of money an insured driver pays for damage costs before the insurance begins to pay. Well, if your teen’s coverage includes collision and comprehensive physical damage insurance. If you increase the deductible, the insurance agent may be able to lower the premium.

Good Grades Count:

And not just in school, but out of it as well! Since studies show that teens with good grades are also the safest drivers, a B average of higher means your teen can probably qualify for a discount on their premium, if your insurer is one of the many that provides that.

Track That Teen:

Yes, there are apps for smartphones that allow parents and guardians to track what and how their teen does behind the wheel--and many insurers will offer you a savings on your rates if you do. To further incentivize teens and parents, there are companies that offer these programs for free, so make certain to ask so you can take advantage of it. When it comes to saving money on car insurance for young adult drivers, talk with the agent about which policy and program will work best for all of you.

www.consumerschicago.com

El seguro caducó, ¿y ahora qué?

El seguro caducó, ¿y ahora qué?



By JD Glass

El seguro caducó, ¿y ahora qué? Si conduce, necesita un seguro de automóvil, así de simple. Illinois, como la mayoría de los estados, requiere que los conductores estén cubiertos y depende de usted mantener su estado de inscripción. Pero, el asegurado caducó, ¿y ahora qué? ¿Se canceló la cobertura? ¿Cómo sucede eso? ¿Y hay sanciones?
En realidad, los conductores sin cobertura de seguro activa pueden ser sancionados. Entonces, ¿por qué caducaría la cobertura?

1: Falta de pago
El seguro no es gratuito. Cuando obtiene su póliza, recibe una factura que es su prima mensual, una cantidad que varía de un conductor a otro. Puede elegir en qué plazo pagar, ya sea mensual, trimestral o incluso anual. Pero pase lo que pase, TIENE que pagar a tiempo. El hecho es que, si no lo hace, la aseguradora puede cancelar su póliza y lo más probable es que la cancele. Por lo general, le dan tiempo y aviso, pero si no realiza un seguimiento y no realiza un seguimiento, es casi seguro que su cobertura terminará.
Tómese un momento para preguntarle a su empresa cuáles son las opciones disponibles para usted que le ayudarán a hacer el pago de su prima más fácil, ya sean pagos automáticos desde su banco, un recordatorio por correo electrónico para que pueda pagar en línea o incluso establecer una fecha regular en su calendario. aplicación en su teléfono. Desde atar una cuerda alrededor de tu dedo hasta entrenar a un loro para que repita "¡paga el seguro de tu auto!" solo asegúrese de recibir su pago antes de la fecha de vencimiento.

2: Renovación caducada
Su póliza de seguro de automóvil solo tiene una duración determinada; está configurado de esa manera para que cuando renueve periódicamente, también pueda revisar cuál es su cobertura, para asegurarse de que siempre tenga suficiente cobertura.
La mayoría de la gente elige anualmente, lo que significa que cada doce meses, renuevan y revisan. Pero, otros se renuevan cada seis meses, y algunos incluso van de mes a mes. Trabaje con su empresa para determinar cuál es el mejor período de tiempo para usted, y si no está seguro de "cuándo", llame o envíe un correo electrónico a su aseguradora antes de la fecha límite y pregunte: alguien estará encantado de ayudarlo. Incluso se puede configurar automáticamente y no tendrá que preocuparse por ello.

3: Riesgo demasiado alto
Se evalúa el riesgo de cada persona que obtiene una póliza, o la probabilidad de que usted, o alguien bajo la póliza, presente un reclamo sobre ella, y sí, los riesgos más altos tienden a pagar precios más altos. Para determinar esto, intervienen todo tipo de factores, desde su historial de conducción hasta el valor del automóvil.
Pero a veces, algunos conductores son demasiado riesgosos. Esto puede deberse a que ha habido demasiados reclamos en su póliza y, de hecho, la empresa podría sufrir una pérdida excesiva al cubrirlo (y sí, esto podría significar la cancelación de la cobertura).
Sin embargo, si las cosas llegan a ese punto, su compañía de seguros tiene que notificarle con anticipación, lo que le da tiempo para buscar y encontrar una nueva póliza, para que no se quede sin seguro. Pero ... sea un conductor seguro y evite este escenario.

¿Qué sucede si conduzco sin seguro?
Dado que en todos los estados (con la excepción de Vermont, que requiere que demuestre que puede cubrir financieramente un accidente si ocurre), existen aspectos negativos definitivos a largo plazo, de:
La compañía de seguros se entera de que esto sucedió y decide que usted tiene un riesgo demasiado alto, lo que significa que el costo de su póliza puede aumentar.
Las fuerzas del orden pueden multar, suspender su licencia o cobrar tarifas del estado, y estas aumentan en cantidad a medida que aumenta el número de delitos. Demasiado y demasiado lejos puede resultar en tiempo de cárcel.
Requisito SR22: este es un formulario que el estado requiere que les permite saber que realmente tiene cobertura activa y en vivo, y es la agencia de seguros quien la proporciona y la presenta en su estado. Esta necesidad suele durar unos años y debes tener una cobertura activa todo el tiempo. Por supuesto, dado que debe tener un SR22, esto le indica a la compañía de seguros que usted corre un mayor riesgo, por lo que es muy probable que pague una prima más alta.
Como miembro honorable de la sociedad que se preocupa no solo por sí mismo, sino también por los demás, es absolutamente esencial que tenga el seguro de automóvil adecuado. Al final, te beneficia personalmente, porque te protegerá cuando lo necesites. Comuníquese con su compañía de seguros y asegúrese de estar cubierto.

www.consumerschicago.com

The Insurance Lapsed–Now What?

The Insurance Lapsed–Now What?



By JD Glass

The insurance lapsed--now what? Well, if you drive, you need car insurance, it’s that plain and simple. Illinois, like most states, requires drivers to be covered, and it’s up to you to keep your enrolled status. So what happens if your coverage is cancelled? How does that happen? And are there penalties?

Drivers without active insurance coverage can be penalized. So why would coverage lapse?
1: Non Payment.
Insurance isn’t free. When you get your policy, you get a bill that is your monthly premium--an amount that varies from driver to driver. You can choose what time frame to pay in, whether it’s monthly, quarterly, or even yearly. But no matter what, you DO have to pay on time.
Fact is, if you don’t, the insurer can and most likely will cancel your policy. Generally, they do give you time and notice, but if you don’t follow up and follow through, your coverage will almost definitely terminate. Take a moment to ask your company what are the options available to you that will help make paying your premium easier, whether it be automatic payments from your bank, an email reminder so you can pay online, or even setting a regular date in your calendar app on your phone.
From tying a string around your finger, to training a parrot to repeat “pay your car insurance!” just be certain to get your payment in before the due date.

2: Lapsed Renewal
Your car insurance policy only lasts for certain amount of time; it’s set up that way so that when you periodically renew, you can also review what your coverage is, to be sure that you always have enough coverage.
The majority of folks choose yearly, which means every twelve months, they renew and review. But, others renew every six months, and some even go from month to month.
Work with your company to determine which is the best time frame for you--and if you’re not sure about “when,” then call or email your insurer before the deadline and ask--someone will be happy to help you. It can even be set up automatically, and you won’t have to worry about it.

3: Too High Risk
Every person who gets a policy is evaluated for risk, or how likely you--or someone under the policy--is likely to file a claim on it, and yes, higher risks tend to pay higher prices. All sorts of factors go into determining this, from your driving record to the value of the car.
But sometimes, some drivers are too much of a risk. This can be because there’s been too many claims on your policy, and the company might actually sustain too much of a loss by covering you (and yes, this could mean cancelled coverage).
Still though, if things come to that, your insurance company does have to notify you ahead of time, giving you time to look for and find a new policy, so that you won’t be uninsured. But...be a safe driver, and avoid this scenario.

What Happens If I Drive Without Insurance?
Since every state (with the exception of Vermont, who does require you prove you can financially cover an accident if it happens), there are definite long-term negatives, from:
The insurance company learns that this happened, and decides you’re too high risk, which means your policy cost may increase.
Law enforcement can ticket, suspend your licence, or levy fees from the state, and these increase in amount as the number of offenses increase. Too much and too far can and will result in jail time.
SR22 Requirement: this is a form that the state requires that lets them know you actually do have live and active coverage--and it’s the insurance agency who provides it and files it with your state. This necessity usually lasts for a few years and you must have active coverage the entire time. Of course, since you have to have an SR22, this signals to the insurance company that you’re a higher risk, so there’s a good chance you’ll pay a higher premium.
As an upstanding member of society who cares not only about themselves, but also others, it is absolutely essential that you have the appropriate auto insurance. At the end, it personally benefits you, because it will protect you when you need it. Contact your insurance company, and make sure you’re covered.

www.consumerschicago.com

Get your quote here!

Five Things You Need For Your Summer Car Emergency Kit

Five Things You Need For Your Summer Car Emergency Kit



By JD Glass

Everyone knows a spare tire (or a donut), a tire iron, and a jack are three necessary things everyone should have in their car at all times. And it makes sense you’d probably also need a flashlight and a tire gauge (and if you don’t have one, get one--they’re super handy!). But these are Five Things You Need For Your Summer Car Emergency Kit, and having then in your car can help you get through some of the situations you may encounter during some of the hottest days of the year, and certainly some of the heaviest traffic!

If you don’t already have one, get a first aid kit. It doesn’t have to be a mini surgical kit, but it should have some bandages, an antiseptic of some sort, acetaminophen, scissors, and Band-Aids at the very least. It’s easy enough to either find a kit at your local drugstore or to put one together and put it all in a shaving kit bag!

You know how everyone tells you to hydrate? Well, if you’re stuck on the side of the road in the hot summer sun, that’ll be even more important than ever while you wave for help to arrive. Try to keep at least 6 bottles of water in your car (and make sure they’re under something so that the sun doesn’t beat down on them all day long).

We already mentioned a flashlight, but it doesn’t hurt to mention it again--and batteries, just in case. Small enough to slip into your glove compartment, you can pick up a jump-starter for your car (or truck) going if somehow the battery of your car has been drained.

And because not only will you need juice for your car, but in some ways more importantly, you need it for your phone, too. In addition to the jump-starter, you should also have a cellphone charger. Keep a topped up one in your emergency kit, and extend your ability to contact help!

Every single one of these things is easy to find! Just gather them together, then put them in a safe place in your car, and you’ll be ready to face whatever the road throws your way this summer!

Get your quote here!

Insurance and Your Teen Drivers

Insurance and Teen Drivers



Let's talk about insurance and your teen drivers. Yes, teenagers and driving--it’s not only a tradition, but an actual rite-of-passage and a part of growing up for most people living in the United States, and yes, that means they also need to be insured. And with that, yes, premiums are likely to increase--which makes sense, since coverage will now extend to another driver, and an inexperienced one, at least. Many states, like Illinois, use these factors in pricing the coverage for these young drivers.

Is the driver male or female? Statistically speaking, the CDC (Center for Disease Control and Prevention) records that in 2018, drivers aged 16-19 had a motor vehicle death rate twice as great as female drivers within the same age range, which means twice the risk.

Who’s the Primary Driver? If the car your teen is driving is the family car, then they’re an occasional driver. However, if your teen has her or his own car, it’s quite likely they’ll drive more often than if she or he was sharing it with the family. This increased driving time can lead to higher rates.

Vehicle type--the make and model--always impacts insurance rates. A high end vehicle combined with a new driver will translate into a higher premium.

Still though, there are discounts available for teens: If your teen has taken driver’s education, many insurance carriers provide discounts of approximately 10% for newly-licensed drivers.

Also, if your young driver has at least a B average, many companies provide up to a 20% discount. This has to be verified yearly with a report card.

If you don’t mind having safe driving habits verified (using a device that plugs into your car’s diagnostic port), some companies offer discounts. Generally, the monitoring lasts for a specific period of time, and parents can access the collected data.

Does your young driver attend a school (high school, boarding school, college) that’s more than 100 miles away? Tell your carrier since they can usually provide both a credit as well as coverage when your student is home.

Don’t take the risk of not including your teen driver on the policy--the savings you’ll save is nothing compared to the financially devastating loss that could happen.

The best case scenario is that if your teen causes an accident, and your insurance company decides to cover the claim (which is not a given), you may end up being charged for the “back” premium--the extra cost of insuring your teen--dating back to when his or her license was first issued, and depending on on how long ago that was, that could add up to a significant amount.

However, even if your carrier does cover the claim, there remains the strong possibility that only the state minimum will be covered, leaving you not only severely underinsured, but also severely out of pocket for costs.

But that’s not the worst that could happen. The worst that could happen is the carrier denies the claim entirely, which makes you responsible for all the damages. This includes vehicles, property, injuries to people, any pain and suffering they claim, and even their loss of income, and every single bit of this has to be paid by you.

Take the time to assess what your insurance needs are and provide safety for you and your new driver well into your family’s future.



Get An Illinois Car Insurance Quote, then get even more! Click here to learn more!

We Are Consumers Insurance

We’re Consumers Insurance



We are Consumers Insurance, and we’ve been providing Chicagoland with car and auto insurance for fifty years. We have two convenient locations and we make it easier than ever to quote online--it's sixty seconds to savings!

Whatever coverage you need, from liability and collision, through comprehensive to medical, we’ve got you covered.

And if you have a less than perfect driving record, that’s not a problem with us, either. We offer comprehensive SR22 coverage and documentation to help you decide which plan is the best for you.

Here at Consumers, we offer easy and affordable options--top coverage and service without the cost! With our people-focused approach to Insurance in the modern world, our unbeatable rates and friendly, knowledgeable representatives are powered by the best-in-breed auto insurance system online--Consumers makes things easier and faster than any other Insurance Agency in Illinois.

Get An Illinois Car Insurance Quote, then get even more! Click here to learn more!

Car Insurance Pricing In Illinois

Car Insurance In Bolingbrook, Cicero, and Chicago



When you compare car insurance pricing in Illinois to the rest of the United States, it’s about 25% less expensive to get insurance in Illinois than anyplace else, but...even in Illinois, there are differences depending on where you live. For example, insurance will cost more in a big city like Chicago with its higher population and greater number of cars, than say less populated areas.

That said, though, Chicago surprisingly enough, isn’t the highest in terms of pricing. In fact, it comes second to Cicero in terms of highest average cost, while Champaign, Illinois sees the lowest rates overall.

Out of 24 areas, from highest to lowest, Cicero ranks first, Chicago is second, and Bolingbrook places at 8th in terms of rates.

On average, a driver in Illinois will pay about $558, for a six-month policy (or under $1,200 for a year), but always bear in mind that this amount varies depending on the type of car, the type of driver, and even gender, in addition to location and driving history.

With over 292,789 mile of road to be driven in Illinois alone, it’s important to be certain your coverage is dependable and built for you.

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