When shopping for car insurance in Rockford, IL, you will need to find a policy that fits your budget and covers the state’s minimum requirements. From there, you may choose to add more coverage. Many other factors will also determine the final cost.
Minimum Coverage
Car insurance in Rockford, IL, must cover injury and death up to a certain amount. The minimum is $25,000 per person. If the injuries cost more than that, you will need to make up the difference. The policy must also cover $20,000 in property damage. You will be responsible for any amount over $20,000 unless you opt for higher coverage.
Vehicle and Mileage
The type of car you drive will also play a role in the cost of your insurance. A speedy or sporty car will typically cost more to cover than a family sedan or SUV. How far you drive each year will also matter. If you travel large distances every week, it may cost more than if you only use your automobile on the weekends.
Age and Driving Record
Younger drivers will almost always have a higher rate because of their inexperience behind the wheel. As the young person gains experience, the rate can go down. A good driving record will also have a substantial impact on the final price. Drivers who follow traffic laws, avoid accidents, and never drink and drive are prime candidates for an affordable policy. There are policies available for individuals involved in fender benders and for those who have had DUIs. For more information about car insurance in Rockford, IL, visit Accurate Auto Insurance.
