Park Forest, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Park Forest, 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 Cost of Car Insurance in Park Forest, IL
The average cost of car insurance in Park Forest, IL, is $1,182. This cost is lower than most nearby locations like South Chicago Heights, Rich, Olympia Fields, Richton Park, and University Park. Zimlon, through its research, identified some factors that influence the cost of car insurance in Park Forest, IL, and makes insurance expensive for the residents.
Location:
The neighborhood one lives in Park Forest, IL, can significantly influence the cost of car insurance. The make and model of the vehicle, rate of auto thefts in the neighborhood, and age of the driver can increase or reduce the insurance costs within the city. Zimlon offers the service of finding accurate insurance quotes using one’s accurate zip code.
Credit Scores:
Having an “excellent” or “good” credit score will also help make car insurance less expensive in Park Forest, IL. Several auto insurance companies provide considerable discounts to car owners that have a higher positive credit score. Below is a list by Zimlon highlighting the different cost of car insurance in Park Forest, IL, for different credit scores.
Deductibles:
This is one of the most common factors influencing the cost of car insurance in Park Forest, IL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. These deductibles can vary depending upon the make and model of the vehicle. For example, in Park Forest, IL, the average cost of auto insurance on a deductible of $500 is $1,564. This cost will decrease to $1,321when the deductible is $1,000.
Age of the Driver:
Car owners in Park Forest, IL, can make auto insurance less expensive by comparing different policies and opting for various discounts offered by insurance companies for different age groups.
Zimlon’s analysis found that teenagers usually pay much higher costs of car insurance in Park Forest, IL. This is mainly because insurance companies consider teenagers to be less responsible drivers than middle-aged or older drivers. For example, the cost of car insurance for teenagers in Park Forest, IL, is $3,835, whereas, for a 20-year old driver, insurance cost reduces to $1,519. The cost of car insurance for drivers between the age of 40 to 60 years further reduces to less than $1200 in Park Forest, IL.
Anti-Theft Feature:
Equipping vehicles with anti-theft features like audible alarms or tracking devices can help make care insurance less expensive in Park Forest, IL. Cars equipped with safety devices are less prone to thefts; therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. However, these discounts on auto insurance depend on the type and number of safety devices installed in the vehicle.
According to Zimlon’s analysis, car owners in Park Forest, IL, can get car insurance for less than $1200 by installing anti-theft features like Audible Alarm, Active Disabling Device, and Tracking Device.
Factors that can influence the cost of car insurance in Park Forest, 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.
- Park Forest, IL Auto Insurance Rates
- Park Forest, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Park Forest, IL
- Multi Vehicle Insurance Savings in Park Forest, IL
- How Credit Score Affects Car Insurance Rates in Park Forest, IL
- How DUI Affects Auto Insurance Premiums in Park Forest, IL
- Top Auto Insurance Agents Near Park Forest, IL
- How Driving Violations Affect Auto Insurance Rates in Park Forest, IL
- Park Forest, IL Auto Insurance Discounts on Anti Theft Feature
- Park Forest, IL Auto Insurance Company Reviews
Park Forest, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Park Forest, IL with that of other cities in and around Park Forest.
| Park Forest | South Chicago Heights | Rich | Olympia Fields | Richton Park | University Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,182 | $1,203 | $1,596 | $1,292 | $1,357 | $1,214 |
Park Forest, 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 Park Forest, 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) |
|---|---|---|
| Park Forest | $1,564 | $1,321 |
| Olympia Fields | $1,533 | $1,295 |
| Richton Park | $1,516 | $1,281 |
| South Chicago Heights | $1,319 | $1,114 |
| University Park | $1,093 | $923 |
| Rich | $1,015 | $857 |
| Chicago Heights | $983 | $830 |
| Matteson | $1,472 | $1,243 |
Park Forest, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Park Forest, 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 | $3,835 |
| 20 Years | $1,519 |
| 30 Years | $1,170 |
| 40 Years | $1,125 |
| 50 Years | $1,042 |
| 60 Years | $1,057 |
| 70 Years | $1,230 |
Park Forest, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Park Forest, 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 | $2,080 | $284 |
| 3 Vehicles | $3,120 | $426 |
| 4 Vehicles | $4,161 | $567 |
Savings on 2 Vehicles bundle:$284
Savings on 3 Vehicles bundle:$426
Savings on 4 Vehicles bundle:$567
Park Forest, 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 Park Forest, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Park Forest | $1,182 | $1,919 |
| Olympia Fields | $1,292 | $2,097 |
| Richton Park | $1,357 | $2,203 |
| South Chicago Heights | $1,203 | $1,953 |
| University Park | $1,214 | $1,971 |
| Rich | $1,596 | $2,591 |
| Chicago Heights | $1,202 | $1,951 |
| Matteson | $1,368 | $2,221 |
Park Forest, 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) | $1,014 |
| Excellent (740-799) | $1,158 |
| Good (670-739) | $1,232 |
| Average (580-669) | $1,607 |
| Poor (300-579) | $1,928 |
Park Forest, 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 |
|---|---|---|---|
| Hugh Smith | State Farm | 18221 Torrence Ave Ste 1D, Lansing, 60438-2870 | 708-251-8097 |
| Wanda L. Adams | Allstate | 21141 Governors Hwy Ste 115, Matteson, 60443 | (708) 481-4100 |
| Merit Insurance Group | Travelers | 8041 W 186TH ST SUITE D, TINLEY PARK, 60487 | 708-845-5466 |
| Charles Cathey Jr | State Farm | 1652 E 87th Street, Chicago, 60617 | 773-978-5904 |
| Melvin Flowers | Allstate | 19505 Governors Hwy, Flossmoor, 60422 | (708) 960-0368 |
| Wasim Khan | State Farm | 17700 Dixie Hwy, Homewood, 60430-1221 | 708-798-9200 |
| William J Goodman Ltd | Travelers | 18033 Martin Ave, Homewood, 60430 | None |
| Quinton Glenn Jr | State Farm | 3330 W 159th Street, Markham, 60428-4045 | 708-333-3263 |
| Mcnellis & Co Inc | Liberty Mutual Independent | 9401 S PULASKI RD, EVERGREEN PARK, 60805 | (708) 425-5400 |
| Mike Burton | State Farm | 5520 W Lawrence Ave, Chicago, 60630-3412 | 773-685-5500 |
| Jordan Insurance Services & Associates Ltd | Travelers | 15859 S RIDGELAND AVE STE B, OAK FOREST, 60452 | 708-687-9700 |
| Onquote | Travelers | 2770 N LINCOLN AVE, CHICAGO, 60614 | 800-940-8003 |
Park Forest, 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 | +$52 | $1,234 |
| Driver's Failure In Showing Documents | +$115 | $1,297 |
| Driving With An Expired Registration | +$122 | $1,304 |
| Driving At A Considerably Slow Pace | +$256 | $1,438 |
| Using A Cellphone While Driving | +$271 | $1,453 |
| Running A Red Light | +$275 | $1,457 |
| Speeding | +$290 | $1,472 |
| Driving A Vehicle Without The Required Permission | +$368 | $1,550 |
| Driving With An Expired/Suspended License | +$797 | $1,979 |
Park Forest, 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 | $1,135 |
| Active Disabling Device | $1,135 |
| Tracking Device | $1,111 |
| Passive Disabling Device | $1,099 |
Latest Auto Insurance Reviews in Park Forest, IL | Back to Top
KemperMy car insurance offers far less coverage than most other car insurance. I only have liabilty in order to save money.
KemperMy car insurance offers far less coverage than most other car insurance. I only have liabilty in order to save money.