Shopping for Illinois Insurance Quotes

Shopping for Illinois insurance quotes is hardly anybody's favorite pastime, but you know it's something that needs to be done. Indeed, whether it's making you street legal, protecting your home from calamitous damage, or making sure you won't go broke in the event of a medical problem or business calamity, Illinois insurance is one of the most important purchases you can make. Among the many sectors of American entrepreneurship, insurance companies may not have the best reputation, but insurance is still one of the most valuable societal tools, allowing groups of people to pool their resources and protect themselves against financial ruin in the process. Of course, to make insurance work for you requires that you survey different policies and premiums to find the best insurance for your situation. Take a look at these, the most common types of Illinois insurance quotes.

Common Types of Illinois Insurance Quotes

  • Illinois Car Insurance: Illinois car insurance may appear fairly average to the inexperienced eye. According to the National Association of Insurance Commissioners, Illinois residents paid on average $723 a year in 2007, the last year for which comprehensive data was available. This figure ranks just below the national average. Illinois also has fairly average car insurance requirements, which mandate that residents carry bodily injury liability of $20,000 per person and $40,000 per accident, as well as $15,000 worth of property damage liability. What makes these numbers surprising, however, is that Illinois manages to generate such affordable car insurance rates despite relatively high population density, a strong indicator of car insurance costs.

  • Illinois Homeowners Insurance: Illinois homeowners insurance is substantively lower than the national average. According to the NAIC, the average homeowners insurance premium was $804 nationwide, but only $674 in Illinois in 2006. With average home values, Illinois is removed from the most destructive climatic and regional home perils, leading to lower home insurance rates. Of course, these demographics won't apply to everyone. If you own an older home susceptible to snow and roof damage, or if you own a more expensive home, your premiums will go up accordingly. If you live in a floodplain, you will likely need to buy supplemental flood insurance. Plus, most people don't fully appreciate that, like car insurance, if you've made repeated claims in the past, your future homeowner insurance rates will go up.

  • Illinois Health Insurance: The state's health insurance rates are, perhaps, the most average at all. If you see a common theme running through different types of insurance in Illinois, don't be surprised: an AP analysis of 21 different demographic factors labeled Illinois the "most average state" in the nation. According to the Kaiser Family Foundation, Illinois has virtually identical healthcare expenditures per capita as the nation as a whole and very similar inflation rates for healthcare costs. Of course, this also means that more than 1 in 8 residents are uninsured, undoubtedly an understatement given the previous year's economic hardship. If you're one of these uninsured, finding health insurance can feel overwhelming, but NetQuote can just as efficiently match you to state health insurers, as it can car insurance companies.

Finding Illinois Insurance Quotes

Illinois may not be synonymous with insurance companies in the same way that, say, Connecticut is, but the Land of Lincoln does have more than its fair share of insurance companies. With hundreds of car and home insurance companies and dozens of health insurance companies, Illinois insurance is more diverse and competitive than most states. Thus, Illinois insurance quotes are easy to find for health, auto, home and business, and life insurance, but difficult to shop for and to choose amongst the various insurance options.

Fortunately, NetQuote has you covered. By filling out our quick and easy online form, you'll be instantly and reliably matched to several insurance companies that fit your profile and insurance needs. This will enable you to find the promising insurance companies while retaining a sufficient level of competition. Indeed, these companies will know they're competing against other companies in our database. Better yet, you'll be able to review quotes and compare policies from the comfort of your own home, allowing you to make an informed decision removed from high-pressure sales tactics.

Illinois Insurance Information By City:

BerwynChicagoOak Park
PeoriaDecaturHoffman Estates
Mount Prospect Oak Lawn Waukegan
Arlington HeightsNormalElgin
Tinley ParkDes Plaines