When you have kids, at some point you are going to have get an Illinois auto insurance quote and include them on the policy. You may be in for much higher rates. You could easily see that your IL auto insurance quote jumps 50% and as much as 100% from wherever it already. That is an enormous amount to pay over a year. There are reasons for that as well as steps to reduce the shock of adding a teen driver when you get Illinois auto insurance quotes.
The key reasons why you will see this bump in an IL insurance quote is because vehicle crashes are the principal cause of death among those aged 15-20 decades old. And insurance companies do not like having to pay out for accidents of this sort. So they boost the rates to cover their exposure. While it is good for them, it becomes a costly budget item in your case. Basically, kids that age are not very good drivers, talk on cells among other things. Is it any wonder that they have extra accidents?
Studies have shown two points to be aware of with teen drivers. To start with, they have a greater threat of accidents late in the day or at night. That is among the reasons for alterations in when teens are now allowed to drive in numerous states. Next, they are more likely to be in accidents if friends are with them in the car.
So, what are the options for those interested in an Illinois auto insurance quote? Essentially you will find several items which you can do. The more you try the more likely it is that you can find affordable car insurance quotes. Start by shopping on the internet for a few IL auto insurance quotes. That may allow you see the variety of pricing from a variety of firms. Then compare them and locate one that could fit your budget. It is fast and easy to fill in the form,submit it and have back a few quotes to review.
Students that get great grades are also eligible for a fantastic student discount. Most insurance companies require a GPA of B or better to be eligible for this discount. If your student qualifies, it is absolutely worth looking into.
One more choice that a lot of people do not know about is adding electronic devices to cars that monitor a teen's driving and sends alerts to the parents. The insurance companies are subsidizing the price of adding these devices and are also offering discounts to the families that get their insurance due to them also. When you are searching for Illinois car insurance quotes, this may be worth looking into.
Last but not least, you can find also online courses that are presented to both parents and teens on driving safety. If both get the course, you are eligible for a discount in your Illinois auto insurance quote as well. Who knows, possibly both of you will learn something from it?
While it is not going to ever be cheap to get an Illinois auto insurance quote that includes a teen, there are approaches to more affordable insurance. If you take a few minutes to see what possibilities you have when you are having IL car insurance quotes, you may be able to reduce your costs. And then merely pray that your teen grows older instantly!
