Whether you are a longtime gamer at the Empress Casino, or you fancy yourself a latter-day Al Capone every time you step into the Rialto Square Theatre, you know that Joliet residents have a higher than usual tolerance for risk. But everyone has a risk tolerance limit - even the daredevils at the Chicagoland Speedway who drive at nearly-insane speeds during the Indy Racing League and NASCAR events. To protect your family and your business against the risks of big city living, you want a keen look at Joliet insurance options. But locating car, medical, life, business, and homeowners' coverage in this Chicago exurb can be daunting, even to odds-makers at the Harrah's Casino & Hotel. The good news is that NetQuote can connect residents of the City of Champions with five (or potentially even more) Joliet insurance quotes to compare and contrast.
Joliet Insurance Quotes for your Car. Even if you Don't Race Down the Route 66 Speedway
No driver wants to end up in Joliet Prison. Just ask the Blues Brothers or the cast of Prison Break. But if you drive recklessly and cause, for instance, an injury DUI accident, you could wind up in Stateville Correctional Center in nearby Crest Hill. To protect yourself and other drivers against undue risk, you must understand the laws pertaining to Joliet insurance. As of February 2010, Illinois laws stipulated that drivers must carry bodily injury (BI), property damage (PD), and uninsured motorist (UM) coverage. Minimum liability coverage includes $40,000 for bodily injury (per accident) and $20,000 bodily injury (per person) as well as $15,000 property damage.
Here are some stats to keep in mind before taking the car you purchased at the National Hot Rod Association out for a spin to impress your friends at the Woodruff Golf Course. According to the National Association of Insurance Commissioners (NAIC), in 2007, Illinois residents paid around $723 on average for their premiums. This was actually a better rate than the average expenditure for US drivers ($795). Illinois drivers paid $402 for liability, $290 for collision, and $113 for comprehensive. Rates actually dropped from 2006 to 2007 by 2.3%.
Fueling Lower Joliet Insurance Premiums by Making Smarter Choices
Insurance bargain-hunting begins and ends with risk assessment. If you engage in risky activities -- for instance, if you ironically speed on the way to the Autobahn Country Club -- your rates can go up. Conversely, if you take simple steps like cleaning up your driving record and lowering your credit score, you will be seen as less risky by insurers, and you should qualify for lower rates. Of course, if you are anything like the architects of the city's recent revitalization project, you want cost savings now, not months or years down the line. To that end, consider requesting a higher deductible. Or forgo comprehensive and/or collision -- particularly if you have an old car that you wouldn't be caught dead driving to the Westfield Louis Joliet Mall in. Do you spend most of your time cruising Center Street and Western Avenue? If so, you could qualify for a low mileage discount. You could also take a defensive driver's course, install an anti-theft device, and get a good student discount to drop your rates.
The Joy of the Journey to Justifiable Joliet Insurance Quotes
Whether you are an Inwood Golf Course pro, a groundskeeper at Silver Cross Field, or a struggling homeowner awaiting work assignments from Chicago, you need a fast and efficient way to shop around for quality insurance quotes. Enter NetQuote. Our online service is free and simple to use. Fill out our online questionnaire and immediately get quotes from five or more insurers (taken from a pool of over 100 top rated companies).
There is no need to drown in a proverbial Des Plaines River's worth of insurance information - let NetQuote simplify the process, save you time, and introduce you to superior options.