Auto Insurance Quotes in Arlington Heights

High-priced insurance in Arlington Heights can deplete your checking account and possibly require you to analyze your spending habits. Doing a rate analysis is a fast and free way to ensure you are getting the best deal.

Unthinkable but true, most insurance buyers kept buying from the same company for over three years, and approximately 38% of consumers have never even compared rates from other companies. The average driver in Arlington Heights can cut their rates by about 40% a year by just comparing quotes, but they don’t want to take the time to find affordable insurance rates. Companies like State Farm, Progressive and GEICO continually hit you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

If you’re already insured or just want to reduce your rates, you can use these tips to cut your premiums while maintaining coverages. Locating the best rates in Arlington Heights is really quite simple as long as you have a good starting point. Shoppers just have to use the most efficient way to shop online from multiple companies.

The providers in the list below are our best choices to provide price quotes in Illinois. If multiple providers are shown, we suggest you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Arlington Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $856 $428 $71
Dodge Grand Caravan CV $576 $288 $48
Dodge Ram Quad Cab ST 4WD $896 $448 $75
Ford Escape XLS 2WD $876 $438 $73
Ford F-150 XL Regular Cab 4WD $1,046 $523 $87
Ford Focus SEL 4-Dr Sedan $638 $319 $53
Honda Accord LX 4-Dr Sedan $742 $371 $62
Honda CR-V EX-L 4WD $902 $451 $75
Honda Civic EX 4-Dr Sedan $726 $363 $61
Jeep Wrangler Sahara 4WD 2-Dr $722 $361 $60
Nissan Altima Hybrid 4-Dr Sedan $856 $428 $71
Nissan Rogue SL 2WD $744 $372 $62
Toyota Camry XLE $984 $492 $82
Toyota Corolla XLE $640 $320 $53
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $688 $344 $57
Volkswagen Jetta SEL 4-Dr Sedan $1,082 $541 $90
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in zip code location which can affect premium rates substantially.

Policy deductibles

One of the most common auto insurance questions is where to set your physical damage deductibles. The data tables below can help illustrate the difference in cost between high and low physical damage coverage deductibles. The first data set uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $224 $478 $262 $16 $78 $1,083 $90
Corolla S $224 $478 $262 $16 $78 $1,083 $90
Corolla XLE $224 $478 $262 $16 $78 $1,083 $90
Corolla XRS $254 $478 $262 $16 $78 $1,113 $93
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Toyota Corolla insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $164 $322 $262 $16 $78 $842 $70
Corolla S $164 $322 $262 $16 $78 $842 $70
Corolla XLE $164 $322 $262 $16 $78 $842 $70
Corolla XRS $186 $322 $262 $16 $78 $864 $72
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in your specific Arlington Heights location which can impact prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $20 more each month or $240 every year than choosing the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 20 months between claims, you would save money if you elect the higher deductible.

Insurance policy discounts

Some providers don’t always advertise all discounts very clearly, so the next list breaks down some of the best known and also the more inconspicuous discounts that you can inquire about if you buy Arlington Heights auto insurance online.Insurance discounts

Discounts lower rates, but many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.

To find companies who offer insurance discounts in Arlington Heights, click this link.

Protect more than your vehicle

Even though it’s not necessarily cheap to insure a vehicle in Arlington Heights, buying car insurance is a good idea for several reasons.

The benefits of insuring your vehicle definitely exceed the price paid, particularly when you have a large claim. On average, a vehicle owner in Arlington Heights is overpaying more than $865 each year so compare quotes from several companies at every renewal to ensure rates are inline.

Can’t I compare rate quotes from local Arlington Heights car insurance agents?

Some consumers prefer to buy from a licensed agent and that is a smart decision Good insurance agents can help determine the best coverages and help submit paperwork. An additional benefit of comparing insurance online is that you can obtain cheap rate quotes and still have an agent to talk to.

Find insurance agent in Arlington HeightsTo make it easy to find an agent, after completing this simple form, your insurance data is sent to companies in Arlington Heights who will return price quotes to get your business. There is no reason to leave your house since rate quotes are delivered to you instantly. If you have a need to get a rate quote from a specific insurance provider, just visit that company’s website and fill out their quote form.

Selecting an insurer shouldn’t rely on just a cheap price. These are some questions your agent should answer.

If you want to use a local Arlington Heights insurance agent, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Arlington Heights agents are categorized either exclusive or independent agents depending on their company appointments. Both properly insure your vehicles, but it’s worth mentioning the difference in the companies they write for because it can impact your agent selection.

Exclusive Agencies

Agents that choose to be exclusive have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies are well schooled on their products and sales techniques which helps them sell on service rather than price.

Below is a list of exclusive agents in Arlington Heights that are able to give rate quotes.

Tony Keller – State Farm Insurance Agent
928 W Algonquin RdArlington Heights, IL 60005(847) 506-0172View Map

123 S Arlington Heights RdArlington Heights, IL 60005(847) 392-4080View Map

1447 E Palatine RdArlington Heights, IL 60004(847) 939-6300View Map

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Independent Insurance Agents

Independent insurance agents are not limited to a single company and that is an advantage because they can write policies through many companies and find the cheapest insurance rates. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. If you are trying to find cheaper rates, it’s a good idea to check rates from a couple of independent agencies to get the best comparison.

Listed below are Arlington Heights independent agents that are able to give price quotes.

Priority Insurance
120 W Eastman St # 300Arlington Heights, IL 60004(847) 368-1010View Map

Arlington Insurance Services
3385 N Arlington Heights Rd #dArlington Heights, IL 60004(800) 701-5909View Map

3135 N Wilke Rd aArlington Heights, IL 60004(847) 368-1111View Map

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Car insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses like hospital visits, nursing services, prosthetic devices, EMT expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a deer, vandalism, falling objects and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your vehicle resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle, crashing into a building, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 20/40/15 that means you have $20,000 in coverage for each person’s injuries, a per accident bodily injury limit of $40,000, and property damage coverage for $15,000.

Liability insurance covers claims like structural damage, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible. Illinois requires drivers to carry at least 20/40/15 but you should think about purchasing more coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Illinois drivers carry very low liability coverage limits (which is 20/40/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Best and worst vehicle claim statistics

Is your vehicle a claim risk? The following tables show the best and worst cars and trucks for the probability of having to file claims for each type of coverage.

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Land Rover Range Rover Sport Nissan Sentra
Ford F-250 SuperCrew Chrysler 200
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Hyundai Accent
Ford F-350 SuperCrew Mitsubishi Lancer
Ford Expedition Nissan Versa

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Comprehensive Claims by Vehicle
Lowest Claims Highest Claims
Ford F-350 Audi S7
Nissan Xterra Bentley Continental GT
Infiniti QX50 BMW M6
Chevy Spark Maserati Quattroporte
GMC Sierra 2500 Bentley Continental GTC
Chevy Silverado 2500 BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Collision Claims by Vehicle
Lowest Claims Highest Claims
GMC Canyon Bently Continental GT
Ford F-150 SuperCrew Nissan GT-R
Jeep Wrangler Bently Continental GTC
Smart ForTwo Maserati Granturismo
Ford Edge BMW M6
Nissan Xterra BMW 6 Series

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Audi A6 Mitsubishi Mirage
Acura MDX Kia Rio
Subaru Outback Mitsubishi Lancer
Chevrolet Corvette Chevrolet Sonic
Mercedes-Benz SL Class Hyndai Accent
Subaru Forester Chevrolet Impala

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years