Want to learn how to find cheaper insurance rates in Cicero, IL? No one in their right mind enjoys paying for insurance, in particular when they are paying too much.
It’s amazing but a large majority of consumers have bought insurance from the same company for four years or more, and just short of a majority have never shopped around. Consumers in Illinois could cut their rates by about 40% a year by just comparing rate quotes, but they won’t spend time to compare other rate quotes.
Popular companies such as GEICO, Progressive and Allstate persitently shower you with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.
Smart consumers take time to get comparison quotes before your policy renews due to the fact that insurance rates change regularly. If you had the lowest rate on insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.
The fastest way that we advise to compare insurance rates from multiple companies is to know the trick most of the bigger providers provide online access to give free rates quotes. All consumers are required to do is provide details such as if you require a SR-22, if it has an anti-theft system, how much you drive, and how much education you have. The data is then sent to many different companies and you will get price comparisons almost instantly.
If you wish to get multiple quotes for your car now, click here and complete the form.
The companies shown below offer comparison quotes in Cicero, IL. If multiple providers are shown, it’s highly recommended you visit as many as you can to get a more complete price comparison.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium | ||||
|---|---|---|---|---|---|---|---|
| Chevrolet Silverado LT Extended Cab 4WD | $898 | $449 | $75 | ||||
| Dodge Ram Quad Cab ST 4WD | $898 | $449 | $75 | ||||
| Ford Escape Limited 4WD | $808 | $404 | $67 | ||||
| Ford Explorer XLT 4WD | $838 | $419 | $70 | ||||
| Ford F-150 SVT Raptor Super Cab 4WD | $926 | $463 | $77 | ||||
| Ford Focus SES 4-Dr Sedan | $1,082 | $541 | $90 | ||||
| Honda Accord LX 4-Dr Sedan | $948 | $474 | $79 | ||||
| Honda CR-V EX 4WD | $902 | $451 | $75 | ||||
| Honda Civic LX 4-Dr Sedan | $1,064 | $532 | $89 | ||||
| Honda Odyssey EX-L W/Navigation | $858 | $429 | $72 | ||||
| Hyundai Sonata SE 4-Dr Sedan | $1,016 | $508 | $85 | ||||
| Jeep Grand Cherokee Laredo 2WD | $728 | $364 | $61 | ||||
| Mazda 3 I SV 4-Dr Sedan | $880 | $440 | $73 | ||||
| Nissan Altima 3.5 SR 4-Dr Sedan | $864 | $432 | $72 | ||||
| Toyota Camry LE | $690 | $345 | $58 | ||||
| Toyota Corolla LE | $874 | $437 | $73 | ||||
| Volkswagen Jetta S 2.5 Station Wagon | $570 | $285 | $48 | ||||
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in Cicero location which can decrease or increase auto insurance rates substantially.
Difference between full coverage and liability only rates
The illustration below shows the difference between GMC Acadia auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Illinois. The data assumes a clean driving record, no claims, $1,000 deductibles, married male driver, and no other discounts are factored in.
GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop paying for full coverage
There is no exact rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your GMC Acadia claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your deductible. If premiums are more than $200 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Auto insurance is an important decision
Despite the high insurance cost in Cicero, insurance may be required and benefits you in several ways.
- Almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car legally. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your vehicle has a lien holder, most lenders will stipulate that you carry insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your vehicle for a much higher rate and make you pay the higher premium.
- Auto insurance protects both your vehicle and your personal assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your car more than cancel out the cost, especially for larger claims. Unknowingly, the average driver is overpaying more than $865 each year so you should quote rates once a year at a minimum to save money.
Tricks in auto insurance advertising
Popular auto insurance providers such as Allstate and Progressive continually stream ads on television and other media. All the ads tend to make the same promise that drivers will save a bundle just by moving your coverage to them. How is it possible that every company can cost less than your current company? This is how they do it.
Companies have underwriting criteria for the type of insured that earns them the most money. For example, a profitable risk profile could possibly be over the age of 40, carries high limits, and the vehicle is rated for pleasure use. Someone who fits that profile will most likely get cheap car insurance rates and will probably save some money.
People who fall outside this stringent profile will get more expensive rates which results in the customer buying from someone else. Company advertisements say “customers who switch” not “everyone who quotes” save the amount stated. That is how companies can advertise the savings.
Because of these techniques, you really need to compare quotes as often as possible. It’s impossible to know which auto insurance company will have the lowest rate quotes.
Take advantage of every auto insurance discount
Companies offering auto insurance don’t always advertise every available discount very clearly, so the below list has a few of the more well known as well as some of the hidden credits that you can use to lower your rates.
- Claim Free – Insureds with no claims or accidents pay much less in comparison with accident-prone drivers.
- ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
- First Accident Forgiveness – Not a discount per se, but some insurance companies will turn a blind eye to one accident without the usual rate increase if you have no claims for a set time period.
- Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
- Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote Cicero car insurance depending on your company.
A little disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.
A few popular companies and a partial list of their discounts are outlined below.
- 21st Century may have discounts that include 55 and older, air bags, theft prevention, good student, homeowners, and early bird.
- Progressive offers discounts including online quote discount, multi-policy, multi-vehicle, homeowner, online signing, continuous coverage, and good student.
- State Farm discounts include Steer Clear safe driver discount, defensive driving training, driver’s education, multiple autos, good driver, and Drive Safe & Save.
- Nationwide may include discounts for multi-policy, defensive driving, business or organization, family plan, anti-theft, and Farm Bureau membership.
- Esurance may offer discounts for DriveSense, safety device, anti-theft, good driver, emergency road assistance, Pac-12 alumni, and good student.
- The Hartford policyholders can earn discounts including good student, bundle, driver training, vehicle fuel type, and defensive driver.
Before you buy a policy, ask each company to give you their best rates. Some discounts listed above may not apply in your state. If you would like to see a list of insurance companies who offer discounts in Cicero, follow this link.
When to contact an insurance agency
A small number of people still prefer to have an agent’s advice and that is not a bad decision A nice benefit of comparing car insurance online is that you can obtain lower auto insurance rates and still buy from a local agent. And providing support for small agencies is definitely important in Cicero.
After completing this form (opens in new window), your coverage information is sent to local insurance agents that can give you free Cicero car insurance quotes for your business. There is no reason to contact an agency due to the fact that quote results will go to the email address you provide. You can find better rates and a licensed agent to talk to. If you wish to get a comparison quote from a specific company, you can always navigate to their website and fill out the quote form the provide.
Cicero car insurance agents are either independent or exclusive
If you would like to find a local insurance agency, it can be helpful to understand the different types of agents to choose from. Car insurance policy providers may be either exclusive agents or independent agents.
Independent Insurance Agents
These type of agents are not employed by one company and that gives them the ability to insure with multiple insurance companies depending on which coverage is best. If your premiums go up, they simply switch companies in-house and that require little work on your part.
If you are comparing rate quotes, it’s recommended you get several quotes from a few independent agents for the best price selection.
Featured below are Cicero independent insurance agencies that can give you cheap rate quotes.
Cicero Amigo Insurance
5113 W Cermak Rd – Cicero, IL 60804 – (708) 484-6800 – View Map
Mjk Insurance Group Inc
Cicero, IL 60804 – Cicero, IL 60804 – (708) 222-0674 – View Map
Azteca Insurance
6013 W Roosevelt Rd – Cicero, IL 60804 – (708) 222-8660 – View Map
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only write with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agencies receive extensive training on sales techniques which helps them sell insurance even at higher premiums.
Below is a short list of exclusive agencies in Cicero willing to provide comparison quotes.
Gus Andrade – State Farm Insurance Agent
4355 W 26th St – Chicago, IL 60623 – (773) 521-0216 – View Map
American Family Insurance – Minerva Moya
5003 W Cermak Rd – Cicero, IL 60804 – (708) 656-2760 – View Map
Allstate Insurance: Jerome Heidkamp
9708 S Cicero Ave – Oak Lawn, IL 60453 – (708) 857-8200 – View Map
Finding the right auto insurance agent requires you to look at more than just a cheap quote. Here are some questions to ask:
- How are claims handled?
- Which members of your family are coverage by the policy?
- Do they receive special compensation for putting your coverage with one company over another?
- Is the agent CPCU or CIC certified?
- Will the agent or a CSR service your policy?
- Where would glass claims be handled in Cicero?
- Will their companies depreciate repairs to your car based on the mileage?
Car insurance claim information
Which makes and models have the fewest claims? The following statistics show the best and worst vehicle models for the probability of having to file claims for each type of coverage.
| Lowest Claim Frequency | Highest Claim Frequency |
|---|---|
| Volvo V60 | Maserati Quattroporte |
| Nissan Leaf | BMW M6 |
| Chevy Spark | Maserati Granturismo |
| Ford F-350 | Porsche Panamera GTS |
| Nissan Xterra | Bentley Continental GTC |
| Smart ForTwo | BMW M6 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
| Lowest Claim Frequency | Highest Claim Frequency |
|---|---|
| Ford F-250 SuperCrew | Hyundai Accent |
| Audi A4 Allroad | Mitsubishi Lancer |
| Tesla Model S | Kia Forte |
| Land Rover Range Rover Sport | Nissan Sentra |
| Chevrolet Silverado 3500 | Dodge Charger |
| Chevrolet Silverado 2500 | Chevrolet Spark |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
| Lowest Claim Frequency | Highest Claim Frequency |
|---|---|
| Chevrolet Corvette | Kia Rio |
| Mercedes-Benz SL Class | Chrysler 200 |
| Subaru Forester | Dodge Charger |
| Subaru Outback | Kia Optima |
| Volvo XC60 | Hyndai Accent |
| Acura MDX | Chevrolet Sonic |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
| Lowest Claim Frequency | Highest Claim Frequency |
|---|---|
| Ford Edge | Maserati Ghibli |
| Nissan Xterra | Bently Continental GT |
| Smart ForTwo | Maserati Granturismo |
| Ford F-150 SuperCrew | Audi RS7 |
| Mini Cooper | Bentley Continental Flying Spur |
| Ford F-250 SuperCab | BMW M6 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Affordable rates are available
You just read a lot of techniques to reduce insurance rates online in Cicero. It’s most important to understand that the more you quote Cicero car insurance, the more likely it is that you will get a better rate. You may even discover the best rates are with the smaller companies. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate or State Farm.
Cost effective insurance is definitely available on the web and also from your neighborhood Cicero agents, and you need to price shop both to have the best rate selection. A few companies may not offer internet price quotes and usually these regional carriers provide coverage only through independent agencies.
More tips and info about insurance can be found by following these links:
- Keeping Children Safe in Crashes Video (iihs.org)
- What Car Insurance is Cheapest for Hybrid Vehicles in Chicago? (FAQ)
- What Insurance is Cheapest for a Toyota Tacoma in Chicago? (FAQ)
- Who Has Affordable Chicago Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- Who Has Affordable Car Insurance Rates for a Hyundai Elantra in Chicago? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Electronic Stability Control FAQ (iihs.org)