Auto Insurance in Cicero, IL

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Driving in Cicero, Illinois, (IL) 

Located a short eight miles from Chicago, the suburb of Cicero, Illinois, (IL) has a current population of around 83,000. Many residents of Cicero commute to work in Chicago, with most driving alone to work with a 30-minute average commute time, which exceeds the national average. The typical Cicero household owns an average of two cars, and Illinois law says those cars must be insured to stay on the road. VIU by HUB is happy to assist in finding the perfect policy to keep Cicero residents driving.

Why You Need Car Insurance in Cicero

You may think that you'll never need car insurance, but there are approximately 5.5 million automobile accidents in the United States each year, resulting in 35,000 fatalities and over 2 million injuries. If you find yourself involved in an accident without insurance, the consequences can be financially devastating. Here are the biggest reasons why car insurance in Cicero, IL is a good idea:

  • Comply with state law. Illinois requires drivers to hold liability policies with mandated minimum coverage. The state conducts computer-based checks twice a year to ensure compliance, and offenders face license suspension with a $100 fee to reinstate. Drivers caught on the road without insurance or driving on a suspended license face fines of $500-1000. Illinois also requires uninsured/underinsured motorist coverage.
  • Compensate another for an accident you caused. If you cause an accident, having an insurance policy will protect you financially, as most of the cost will be handled by your insurer.
  • Compensate you for an accident someone else caused. You should be thankful that the state of Illinois requires liability insurance, because your expenses are sure to be covered if you're in an accident that's someone else's fault.
  • Protect your auto lender. Lenders will require you to have collision and comprehensive car insurance in Cicero, IL to protect their investment while you are making payments on it.

Factors That Affect Premiums

When you file an insurance application, the insurer will determine your personal risk level to determine your rates. Here are some of the factors used to calculate those premiums.

  • Age and Marital Status: Drivers under 25 generally pay more for insurance because they are statistically riskier to insure. Married couples usually pay less for car insurance in Cicero, IL because they are seen as more responsible and less likely to file claims.
  • Credit History: Illinois authorizes insurers to use an individual's credit-based insurance score in assessing potential risk and establishing insurance premiums.
  • Driving Record: A history of accidents or moving violations will likely result in higher premiums. However, insurers generally don't look past the last 3-5 years, so tickets and accidents will eventually come off your record and stop affecting your rates.
  • Deductibles and Coverage Limits: By setting your coverage amounts low and deductibles high, your car insurance premiums will be lower. Just keep in mind that when you need to file a claim, you will be paying more out of pocket and receiving less in total benefits. 
  • Insurance History: Letting your coverage lapse can result in higher premiums when you renew. Recently filed claims can also negatively impact rates.
  • Location: Where you live and park your vehicle plays a role in premium amounts. Drivers in the city will pay more due to population density and the increased risk of theft and vandalism. Parking your car on the street rather than in a lot or garage could also affect your rate. Areas where vehicle repair costs are high may have higher insurance premiums as well.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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