Niles, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Niles, 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 Influencing the Cost of Auto Insurance in Niles, IL
The average cost of auto insurance in Niles, IL, is $1,206. It is lower than the price of insurance in neighboring places such as Lincolnwood, Wilmette, Kenilworth, and Morton Grove. Several factors can affect the cost of auto insurance in Niles. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows
This is one of the most common factors influencing the cost of auto insurance in Niles, IL. A low deductible ($500), usually increases the value of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,593, and it decreases to $1,346 when the deductible is $1,000.
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.
The cost of auto insurance clearly depends on the age of the driver. Auto insurance is the cheapest for drivers in their fifties and sixties ($1,063 and $1,078) in Niles. Teenagers are considered to be more risk-prone to accidents and continue to find auto insurance expensive at $3,913.
Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Niles, IL, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. The former leads to an increase of $295, while the latter leads to an increase of $813.
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Niles can be as high as $1,958.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Niles, 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.
- Niles, IL Auto Insurance Rates
- Niles, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Niles, IL
- Multi Vehicle Insurance Savings in Niles, IL
- How Credit Score Affects Car Insurance Rates in Niles, IL
- How DUI Affects Auto Insurance Premiums in Niles, IL
- Top Auto Insurance Agents Near Niles, IL
- How Driving Violations Affect Auto Insurance Rates in Niles, IL
- Niles, IL Auto Insurance Discounts on Anti Theft Feature
- Niles, IL Auto Insurance Company Reviews
Niles, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Niles, IL with that of other cities in and around Niles.
|Average Insurance Rates||$1,206||$1,404||$1,595||$1,105||$1,867||$1,337|
Niles, 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 Niles, 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)|
Niles, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Niles, 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|
Niles, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Niles, 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|
Savings on 2 Vehicles bundle:$362
Savings on 3 Vehicles bundle:$543
Savings on 4 Vehicles bundle:$724
Niles, 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 Niles, IL.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Niles, 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|
Niles, 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|
|Aneta Boryczko||Allstate||6775 N Milwaukee Ave, Niles, 60714||(847) 978-4111|
|Rhea Joyer||State Farm||4911 N Lincoln Ave Ste C, Chicago, 60625-2609||773-878-8883|
|Cta Insurance Agency Inc.||Erie||7257 W Touhy Avenue Suite 200b, Chicago, 60631||None|
|Kane Insurance Group Inc||Erie||4016 N Lincoln Ave, Chicago, 60618||None|
|John E Horn & Associates Inc||Erie||6650 N NORTHWEST HWY STE 105, CHICAGO, 60631||773-467-2000|
|Lesser Agency||None||7250 N. Cicero Ave Suite 105, Lincolnwood, 60712||(847) 737-8924|
|A Garcia Agency Inc||Travelers||3746 W IRVING PARK RD, CHICAGO, 60618||773-509-0000|
|Tave & Associates Llc||Liberty Mutual Independent||450 SKOKIE BLVD STE 800, NORTHBROOK, 60062||(847) 267-0415|
|Isu Ins Svcs-Machon Agency||Liberty Mutual Independent||838 BUSSE HWY, PARK RIDGE, 60068||(847) 993-1300|
|Guaranteed Rate Ins||Travelers||3940 N RAVENSWOOD AVE STE B, CHICAGO, 60613||866-947-5397|
|Guaranteed Rate Ins||Travelers||3940 N RAVENSWOOD AVE STE B, CHICAGO, 60613||866-947-5397|
Niles, 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||+$53||$1,259|
|Driver's Failure In Showing Documents||+$117||$1,323|
|Driving With An Expired Registration||+$124||$1,330|
|Driving At A Considerably Slow Pace||+$262||$1,468|
|Using A Cellphone While Driving||+$276||$1,482|
|Running A Red Light||+$281||$1,487|
|Driving A Vehicle Without The Required Permission||+$375||$1,581|
|Driving With An Expired/Suspended License||+$813||$2,019|
Niles, 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|
|Active Disabling Device||$1,158|
|Passive Disabling Device||$1,122|
Latest Auto Insurance Reviews in Niles, IL | Back to Top
Farmer's Insurance offers a complete array of auto insurance products. I am able to customize my policy the way I want to.
I would reccommend this company because I did not have to wait on hold for a long amount of time and I get text and email updates on any changes.
My father is my agent so he looks around for the best deals. I am satisfied that progressive is giving me a competitive premium and good coverage.
My premium is considerably less than other insurance companies and I have an agent who will take care of problems for me. I was paying almost $200 a month for Geico and now I pay $80 a month with Trexis for the same coverage.
Good customer service and good online resources. I can do everything I need remotely and without have to go to a branch. A lot of things can be done on the mobile app.
My premium with United Auto Insurance is 1/2 the price of what other companies would cost me even if I had a $500 deductible it is very reasonable. Highly recommend
They are rude, rushed and inconsiderate. I don't think i have ever called an insurance place and gotten a decent, nice person. They need to hire more men, cause most of the time they are always women and they all have snotty attitudes.
I love the fact that I am able to quickly get someone on the phone. Seems almost like you have your own personal agent to deal with your insurance. They have online payments as well as phone payments. I am also allowed to have other people call on my behalf and pay my bill for me. Overall a very good company.