In the State of Illinois, auto insurance policies are mandatory to legally drive. The auto insurance requirement ensures that other drivers, pedestrians, and property are protected in the event of a vehicle accident. But, before buying an auto insurance policy, know that insurance carriers may provide you with certain discounts. This may be possible provided you have any of the following:
- Anti-theft device – you may be given a discount if your vehicle has a device installed to prevent theft or vandalism.
- Auto/home packages – some carriers may give you a discount if you purchase your auto and home policies from them.
- Car pool – given to those shared-vehicle car pools.
- College student away from home – given to students 100 miles away from without any vehicle taken along.
- Defensive driver – for drivers over 55 who have passed a defensive driving class.
- Good driver – for those who have maintained good driving records.
- Good student – discount for students who have maintained a B average or higher.
- Low annual mileage – given to those with vehicles with low mileage.
- Mature driver credit – typically given to drivers 50 and above.
- Multiple vehicles – insurance companies may provide a discount if you avail multiple auto insurance coverage in your policy from them.
- Safety devices – a discount given provided you have airbags, anti-lock brakes, and other safety devices installed in your car.
In case you’re still under the process of choosing a car, you may want to check the initial auto insurance premium first and review if you may have discounts from the above factors. Some cars will cost more than the others, like those newer and more high-end models.
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