College Student Auto Insurance Quotes In Chicago Illinois

 

November 1, 2007 by · Leave a Comment
Filed under: Student Drivers 

Reader question:

I’m a grad student in Chicago and I drive all the time. I know that I need to get insurance, but I’m so busy that I just don’t have the time! Is there some kind of car insurance agency in Chicago that can help a college student lower their rates?

Luis

Thanks for asking, Luis.

You seem to be on the right track. Although it is against the law to go without insurance while owning a car in Chicago, if you manage to mend it before you get caught then you won’t suffer any consequences. As a busy student, it’s understandable that you don’t have time to research car insurance companies online and get quotes and information. That’s what a Chicago insurance agency is for, and if you hire one you save a lot of time and money.

There is one type of Chicago insurance agency that will help you if you need help choosing a car insurance company to get your policy from, and another that will help you if you already know what company and just need to buy the insurance. The first type of Chicago insurance agency is called independent, and they work for several car insurance companies and can give you quotes from multiple ones. Independent agents are preferable because they give you the option of comparing quotes.

The other type of Chicago insurance agency is the captive agent. These agents are connected to one company and sell you policies from just that company. You might want to go through one of them if you already know which company you want.

What you shouldn’t forget while you’re considering consulting a Chicago insurance agency is that they aren’t free. It would be cheaper for you to do the research yourself if you can find the time. If you go through an agency, then you will have to pay a broker fee.

Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

Cheers,

Fashun Guadarrama.

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