Evanston Insurance: A Hodgepodge

If you live in this city on Lake Michigan you know that it's a patchwork of condos, homes, and giant apartment buildings. Residents commute to work in a variety ways: CTA, car, bus, bike and sometimes by foot. It's almost like a town inside a city inside a suburb to sort of steal from Churchill. Anyway, throw in the usual wild winters (thanks to the lake affect snow) and you get an insurance scenario as diverse as Chicago's citizens. So when shopping for Evanston insurance quotes, it pays to have as much knowledge as you can. It also pays to comparison shop.

Renters of Evanston Unite!

If we were talking about a typical small U.S. city, we'd be talking about primarily homeowners. Not so much in Evanston. Almost half of Evanston's 77,000 residents rent an apartment or condo. And though you wouldn't need structural protection for the dwelling, you'll want to protect your household goods. Picking up a little bit of Evanston insurance is likely to offer you the kind of carefree lifestyle you've been hunting for.

If you're renting, particularly in a large complex like those off Chicago Ave, you're going to want protection for things like frozen pipes that burst in the winter and drains and sewers that can back up year-round. A typical renter's policy covers fire, smoke, theft, vandalism, and lightning. Consider purchasing a floater policy that covers items like jewelry, furs and other unique valuables. Be sure to keep a record of all your personal belongings using a camera or video camera. For renter's, Parma insurance quotes average just $15 per month --a small price to pay to replace your Styx album collection.

Ride the CTA, Share a Car

If you're like over 20,000 Evanston residents, you commute to work by vehicle. Depending on how long your drive is you should consider joining the 3,000 that car-pool or the 7,000 (according to the 2000 Census) that take public transit every day. This could help lower your Evanston insurance quotes. If nothing else, make baby steps and commute one day a week. A 2008 study by the Illinois Department of Transportation showed that nearly 10% more auto accidents occur on Fridays --make that your CTA day.

The Illinois minimum requirements for auto insurance:

  • $20,000 Bodily Injury or death of one person in an accident

  • $40,000 Bodily Injury or death of more than one person in an accident

  • $15,000 Property Damage

  • $20,000 per person/$40,000 per accident Uninsured Motorist Bodily Injury- caused by hit-and-run driver or at-fault driver with no insurance.

  • Underinsured Motorist Bodily Injury: pays the difference between your policy and the limits of the at-fault driver.

Lowering Your Evanston Insurance Quotes

Cars with anti-lock brakes, airbags, automatic seatbelts, and anti-theft systems can lower your auto premiums. Homes or apartments with alarm systems, sprinkler systems or other safety features usually result in lower premiums. The easiest way to get the lowest and most comprehensive quote is to comparison shop with NetQuote. It's free, easy and gives you a diversity of options in the disparate city of Evanston.