When looking for car insurance in Illinois, there are a variety of factors that could impact your rates. To get the best deal on coverage for your money, compare quotes and enter your details into our car insurance calculator to receive an estimate based on what information you provide.

Rates in Illinois can differ significantly based on geography, population, crime rates and climate. Therefore, comparing rates is an excellent way to save money and ensure your coverage costs remain as low as possible.

Your age and driver status will also influence the cost of your premiums. Young drivers tend to pay higher insurance premiums than older motorists, so if you’re a teen driver it’s essential to shop around for the most affordable policy possible.

The make and model of your vehicle can also influence the cost of your policy. Some cars require more repair or replacement costs than others, while certain models boast additional safety features which may reduce premium costs.

Maintaining a clean driving record is essential for keeping your car insurance costs low. If you have any driving infractions such as speeding tickets or DUIs, your premiums will be much higher than if you have an excellent record.

Carrying multiple cars on your policy will increase your insurance costs. If you own multiple vehicles, it may be wise to purchase separate policies for each one.

A low credit score can significantly raise your insurance premiums. A bad credit history could increase these fees up to 2.1x more than having an excellent credit score.

As a new driver in Illinois, your premiums may be higher than those of experienced drivers due to increased risk. Insuring a teen driver on your policy could significantly raise costs by as much as 3.6x.

Prior to selecting an auto insurance policy in Illinois, you must understand the minimum requirements. The state requires all drivers to have liability coverage which covers injury or death to individuals as well as property damage from accidents.

Uninsured/Underinsured Motorist Coverage is also recommended, as this covers medical bills if you’re injured by an at-fault driver who doesn’t have enough coverage.

Before renewing or purchasing a new policy, check your coverage limits to see if they need updating. If not sure, consult with an insurance agent or contact Nationwide for further information about available options.

Additional coverage will raise your premiums, but the extra peace of mind and financial security it offers can be worth the added cost. It’s also wise to compare your coverage with that of other drivers to see what level of protection they provide.