Waukegan, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Waukegan, 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.
How to Save on Car Insurance in Waukegan, IL
The average cost of auto insurance in Waukegan, IL, is $1,134. This is higher than in most neighboring places such as Gurnee and Warren. Residents of Waukegan should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Waukegan.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.
Multi-Car Insurance:
In Waukegan, IL, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Waukegan, IL, is $1,950, while it would cost $3.901 for four vehicles. The savings on multi-car insurance in Waukegan also depends on the make and model of the car.
Credit Score:
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Waukegan, IL. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.
Anti-Theft Device:
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Waukegan, IL, post-DUI, increases to $1,841. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Waukegan. Other violations that can have a long-term impact on auto insurance in Waukegan include driving with an expired license and running a red light.
Deductibles:
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Waukegan’s yearly premium on a low deductible($500) is $1,346. It decreases to $1,137 when the deductible is higher ($1,000).
Factors that can influence the cost of car insurance in Waukegan, 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.
- Waukegan, IL Auto Insurance Rates
- Waukegan, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Waukegan, IL
- Multi Vehicle Insurance Savings in Waukegan, IL
- How Credit Score Affects Car Insurance Rates in Waukegan, IL
- How DUI Affects Auto Insurance Premiums in Waukegan, IL
- Top Auto Insurance Agents Near Waukegan, IL
- How Driving Violations Affect Auto Insurance Rates in Waukegan, IL
- Waukegan, IL Auto Insurance Discounts on Anti Theft Feature
- Waukegan, IL Auto Insurance Company Reviews
Waukegan, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Waukegan, IL with that of other cities in and around Waukegan.
| Waukegan | Gurnee | Warren | Park City | Beach Park | Wadsworth | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,134 | $1,001 | $935 | $1,148 | $1,604 | $1,334 |
Waukegan, 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 Waukegan, 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) |
|---|---|---|
| Waukegan | $1,346 | $1,137 |
| Park City | $1,244 | $1,051 |
| North Chicago | $1,807 | $1,526 |
| Benton | $1,544 | $1,304 |
| Wadsworth | $2,367 | $1,999 |
| Gurnee | $1,625 | $1,373 |
| Beach Park | $1,020 | $861 |
| Warren | $1,707 | $1,442 |
Waukegan, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Waukegan, 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 | $3,680 |
| 20 Years | $1,457 |
| 30 Years | $1,122 |
| 40 Years | $1,080 |
| 50 Years | $1,000 |
| 60 Years | $1,014 |
| 70 Years | $1,180 |
Waukegan, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Waukegan, 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 | $1,950 | $318 |
| 3 Vehicles | $2,926 | $476 |
| 4 Vehicles | $3,901 | $635 |
Savings on 2 Vehicles bundle:$318
Savings on 3 Vehicles bundle:$476
Savings on 4 Vehicles bundle:$635
Waukegan, 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 Waukegan, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Waukegan | $1,134 | $1,841 |
| Park City | $1,148 | $1,864 |
| North Chicago | $1,197 | $1,943 |
| Benton | $1,250 | $2,029 |
| Wadsworth | $1,334 | $2,166 |
| Gurnee | $1,001 | $1,625 |
| Beach Park | $1,604 | $2,604 |
| Warren | $935 | $1,518 |
Waukegan, 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) | $973 |
| Excellent (740-799) | $1,111 |
| Good (670-739) | $1,182 |
| Average (580-669) | $1,542 |
| Poor (300-579) | $1,850 |
Waukegan, 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 |
|---|---|---|---|
| Stonegate Insurance Agency Inc | Travelers | 1790 NATIONS DR STE 203, GURNEE, 60031 | 847-775-0804 |
| Eric Eckenstahler | Allstate | 514 N Western Ave Ste C, Lake Forest, 60045 | (847) 735-9500 |
| Mark Havlic | Allstate | 3075 Sanders Rd Ste G1E, Northbrook, 60062 | (847) 402-7500 |
| Randy Nebel | State Farm | 2345 Sheridan Rd, Zion, 60099-2396 | 847-872-2202 |
| John P Galvin Inc | Travelers | 513 LINCOLN AVENUE, WINNETKA, 60093 | 847-441-8850 |
| Leonard H Franks Cpcu & Associates Inc | Travelers | 1845 OAK ST STE 5, NORTHFIELD, 60093 | 847-441-6280 |
| Houpis Weisberg & Scharff Insurance | Travelers | 3100 W DUNDEE STE 112, NORTHBROOK, 60062 | 847-205-1060 |
| Elizabeth (Lisa) Jusino | Allstate | 1613 S Halsted St, Chicago, 60608 | (312) 850-0775 |
| Rhea Joyer | State Farm | 4911 N Lincoln Ave Ste C, Chicago, 60625-2609 | 773-878-8883 |
| Liberty | Allstate | 1000 E Park Ave, Libertyville, 60048 | (847) 362-8350 |
| T A Cummings Jr Co Inc | Travelers | 4153 Main St., Skokie, 60076 | (847) 994-3669 |
Waukegan, 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 | +$50 | $1,184 |
| Driver's Failure In Showing Documents | +$110 | $1,244 |
| Driving With An Expired Registration | +$117 | $1,251 |
| Driving At A Considerably Slow Pace | +$246 | $1,380 |
| Using A Cellphone While Driving | +$260 | $1,394 |
| Running A Red Light | +$264 | $1,398 |
| Speeding | +$278 | $1,412 |
| Driving A Vehicle Without The Required Permission | +$353 | $1,487 |
| Driving With An Expired/Suspended License | +$764 | $1,898 |
Waukegan, 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 | $1,089 |
| Active Disabling Device | $1,089 |
| Tracking Device | $1,066 |
| Passive Disabling Device | $1,055 |
Latest Auto Insurance Reviews in Waukegan, IL | Back to Top
State FarmI would recommend them on the basis of their service and offerings. They take care of everything that you need. Even an conseeurge is available to show you around strange towns and make you feel at home.
American Family InsuranceI feel that there coverage is superior to other similar companies in the area. While the prices may be slightly higher, they have better service, better response, and roadside assistance.
AllstateIt has been easy when we dropped a car we sold, traded in another car, and added an RV. Each change has been easy per phone.
Metlifechoose between multiple payment options and schedules, and manage your account online. No matter where you are, we're always at your side ready to help.
Liberty MutualCollision coverage Covers expenses related to the damage or destruction of your vehicle Comprehensive coverage Covers expenses related to your vehicle in situations like thefts or storms Liability coverage Covers expenses related to injury, death or property damage when you're at fault Medical payments coverage Covers medical or funeral expenses if you or your passengers are hurt
NationwideI am pleased with the coverage, additional features, and access to information via the app. I also feel that my premium is fairly priced.
ProgressiveProgressive had the cheapest premium I could find. I compared quotes from a few different companies. My mother is an insurance agent as well and recommended Progressive for the price.
State FarmMy personal agent has a very large phone-tree if you call him, and sometimes emails can get lost in the shuffle. Once he is aware of the problem though, everything is handled well. For collisions sent through the website, everything was very prompt.