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Age, gender, and marital status

Based on the 2018 Illinois Crash Facts and Statistics, the 25 to 34 year old age bracket had the most total occupant injuries in a vehicle. Insurance carriers use age, gender, and even marital status as a determining factor for your coverage premium.

Generally, younger drivers are seen as less experienced; hence, the higher their auto premium. However, younger drivers – those below 25 years old – may take advantage of the Good Student Discount. Married drivers are also seen as more careful than their single counterparts, especially for males. And, female drivers have a relatively lower premium compared to male drivers. Aside from your age, gender, and marital status, your household member’s information will also be taken into account since most auto insurance covers the policyholder’s family.

Before getting any policy, be sure you’re aware of your required coverage. Reading on the Illinois Vehicle Code and other informative material should help you make a smart insurance purchase.

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