Bloomington, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bloomington, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Bloomington, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bloomington, IL Auto Insurance Rates
- Bloomington, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bloomington, IL
- Multi Vehicle Insurance Savings in Bloomington, IL
- How Credit Score Affects Car Insurance Rates in Bloomington, IL
- How DUI Affects Auto Insurance Premiums in Bloomington, IL
- Top Auto Insurance Agents Near Bloomington, IL
- How Driving Violations Affect Auto Insurance Rates in Bloomington, IL
- Bloomington, IL Auto Insurance Discounts on Anti Theft Feature
- Bloomington, IL Auto Insurance Company Reviews
Bloomington, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bloomington, IL with that of other cities in and around Bloomington.
| Bloomington | Towanda | McLean County | Normal | Dale | Dry Grove | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $949 | $1,375 | $1,248 | $1,073 | $1,293 | $1,281 |
Bloomington, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bloomington, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bloomington | $1,478 | $1,248 |
| Normal | $1,338 | $1,130 |
| Old Town | $1,884 | $1,591 |
| McLean County | $1,430 | $1,208 |
| Towanda | $1,045 | $883 |
| Twin Grove | $1,190 | $1,005 |
| Dale | $1,105 | $934 |
| Dry Grove | $967 | $817 |
Bloomington, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bloomington, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,079 |
| 20 Years | $1,219 |
| 30 Years | $939 |
| 40 Years | $904 |
| 50 Years | $837 |
| 60 Years | $848 |
| 70 Years | $988 |
Bloomington, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bloomington, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,613 | $285 |
| 3 Vehicles | $2,420 | $427 |
| 4 Vehicles | $3,227 | $569 |
Savings on 2 Vehicles bundle:$285
Savings on 3 Vehicles bundle:$427
Savings on 4 Vehicles bundle:$569
Bloomington, IL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bloomington, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bloomington | $949 | $1,541 |
| Normal | $1,073 | $1,742 |
| Old Town | $1,330 | $2,159 |
| McLean County | $1,248 | $2,026 |
| Towanda | $1,375 | $2,232 |
| Twin Grove | $1,311 | $2,128 |
| Dale | $1,293 | $2,099 |
| Dry Grove | $1,281 | $2,080 |
Bloomington, IL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $814 |
| Excellent (740-799) | $929 |
| Good (670-739) | $989 |
| Average (580-669) | $1,290 |
| Poor (300-579) | $1,548 |
Bloomington, IL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Jim Spachman | State Farm | 2501 E College Avenue, Bloomington, 61704-2484 | 309-661-1700 |
| Vercruysse Insurance Agency, Llc | None | 1713 Fort Jesse Rd Ste C Normal, Bloomington, 61761 | None |
| Tom Brokaw | State Farm | 405 N Hershey Rd Ste 5, Bloomington, 61704-7925 | 309-662-1822 |
| Catherine J Lowry Clu, Chfc | State Farm | 112 Landmark Dr, Normal, 61761-2197 | 309-454-4000 |
| Mike Wieland | State Farm | 2102 E Washington St, Bloomington, 61701-4321 | 309-664-6453 |
| Ron Ruby | State Farm | 202 S Eldorado Rd Ste A2, Bloomington, 61704-1614 | 309-663-5111 |
| Streator Insurance Center | Erie | 511 E Main Street, Streator, 61364 | None |
| Nixon Insurance Agency Inc | Travelers | 4701 N University Suite B, Peoria, 61614 | None |
Bloomington, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$42 | $991 |
| Driver's Failure In Showing Documents | +$92 | $1,041 |
| Driving With An Expired Registration | +$98 | $1,047 |
| Driving At A Considerably Slow Pace | +$206 | $1,155 |
| Using A Cellphone While Driving | +$217 | $1,166 |
| Running A Red Light | +$221 | $1,170 |
| Speeding | +$233 | $1,182 |
| Driving A Vehicle Without The Required Permission | +$295 | $1,244 |
| Driving With An Expired/Suspended License | +$640 | $1,589 |
Bloomington, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $911 |
| Active Disabling Device | $911 |
| Tracking Device | $892 |
| Passive Disabling Device | $883 |
Latest Auto Insurance Reviews in Bloomington, IL | Back to Top
Safeco InsuranceI would definitely recommend Safeco's auto insurance to anyone. They have fast, friendly customer service and I did all correspondence in signing the documents, setting up auto draft for premiums.
Safety InsuranceI would recommend this company for car insurance when taking into consideration the rate and the customer service
State FarmMy insurance company offers a special rate for people with a good driving record and good credit, which gives me a very good discount when I bundle it with renters insurance. It gives me such a large discount that my renters insurance is basically free. On a scale of 1-5, I would give them a one.
ProgressiveWhat I like about the interactions with customer support at progressive, is they are always friendly, they give me useful advice and when I got a speeding ticket they didnt raise my premium
Amica Mutual Insurancethis company in relation to others offers me a broad policy which has a great coverage in the service I am paying
Alfa InsuranceThe only thing I didn't like about the interaction with my car insurance customer support was that their office is messy. I believe they hadn't been in their new location very long, but the office was messy - drink cups all over the desk, etc and the room wasn't decorated at all.
State FarmI dislike that State Farm automatically increases my rates or premiums every six months with no specific reason at all. I feel that I am being penalized for being a loyal, long time customer. If I were to switch insurance companies every few years, I would probably wind up saving more money.
AaaThis company doesn't go to bat for their customers. They basically just hope you will pay for everything and will go away.