Discounts vary by carrier, but common discount categories include:

• Safe driver / claims-free history
• Multi-vehicle
• Continuous coverage
• Certain payment methods
• Good student (when applicable)
• Safety features and anti-theft equipment

Illinois Drivers Insurance offers some of the cheapest car insurance rates available, but you can lower your premiums further by taking advantage of discounts. Individual savings can vary, but many drivers find the cheapest car insurance rates by comparing options and taking advantage of available discounts.

The best way to find savings is to compare options across carriers and ensure your info is accurate.

Insurer rating factors can be complex and can change with regulations and underwriting rules. Insurance companies may review your credit history as part of determining your rate, but this does not negatively affect your credit score. Accurate information about your credit score, driving record, and vehicle type significantly impacts auto insurance rates. If this matters to you, we can compare carriers and focus on the best fit for your situation.

Yes, it can. If you’re a low-mileage driver, you may qualify for better pricing than someone commuting long distances daily. Low mileage drivers typically pay less for auto insurance, and Lemonade’s car insurance prices factor in how much you drive. ‘Pay-per-mile’ programs such as Nationwide SmartMiles can be cost-effective for drivers under 7,500 miles per year. It’s important to estimate mileage accurately.