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Cheap Auto Insurance Quotes in Belleville, IL (May 2022)
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Illinois drivers must keep a copy of their insurance card in their vehicle at all times.
If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:
Liability insurance coverage is non-negotiable. Uninsured motorist coverage is required as well and is especially important because an estimated 13.7% of Illinois drivers are uninsured.
Optional coverages for your auto policy include, of course, comprehensive and collision. Comprehensive coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Belleville, Illinois below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Belleville drivers measure up to their fellow motorists across Illinois in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Belleville
City with the Most Speeding Tickets Rank in Illinois
City with the Most Moving Violations Rank in Illinois
City with the Most DUIs Rank in Illinois
City with the Most Suspended Licenses in Illinois
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Belleville drivers rank 8 in the number of car accidents per driver across all cities in Illinois.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Belleville drivers rank 14 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Belleville drivers rank 24 in the number of DUI’s per driver across all cities in Illinois.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Illinois, Belleville drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Belleville drivers rank 2 in clean driving records across all cities in Illinois.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Belleville drivers rank 6 in failure to yield violations per driver across all cities in Illinois.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Illinois, Belleville drivers rank 6 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Belleville is the Chevrolet Malibu.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.