Orland Park, Illinois is located 25 miles southwest of Chicago along several busy highways, including I-80, La Grange Road, and Harlem Avenue. Traffic throughout the Chicago area is notoriously congested and dangerous, and the Orland Park roadways are no exception. If you are involved in a car accident while driving through town, the financial consequences can be daunting. If you cause an accident, you can expect to pay for all of the damage and injuries for yourself, other drivers, and passengers. Independent insurance agents can assess the unique risks you face as an Orland Park driver. A local, friendly agent will work hard to find you an auto insurance policy that meets your needs while staying within your budget.
How Much Does Car Insurance Cost in Orland Park, IL?
Illinois has the 39th most expensive average cost of auto insurance in the US. The average cost of coverage in Orland Park is lower than both the state and national averages.
- National average annual car insurance cost: $1,311
- Illinois average annual car insurance cost: $1,079
- Orland Park average annual car insurance cost: $858
Your Orland Park car insurance premium is based on how risky you are as a driver. This is determined by evaluating several personal characteristics, or risk factors. Some of the most important risk factors that insurance companies consider are:
- Your age
- Your marital status
- Your gender
- Where you live
- Your history of accidents and claims
- The make and model of your car
- The number of cars and drivers in your household.
Certain factors always work in your favor, while others do not. Male drivers generally pay more than female drivers. Unmarried drivers tend to pay more than married drivers. And young drivers typically pay more than older drivers. Since you can’t control your age or your gender, it’s important to be a safe driver if you want to keep your car insurance rates low.
If you have a clean driving record, insurance companies will charge you less than a similar person (same age, same gender) with a history of citations, accidents, and filing claims. With the help of a local independent insurance agent, you can review quotes from multiple insurance companies and choose the one that offers the best coverage at the best price. Your agent can also help you find other ways to save.
What Are the Car Insurance Requirements in Illinois?
Without car insurance, you are entirely unprotected from the financial consequences of causing a crash. Illinois law requires all vehicle owners to have a minimum amount of coverage, including:
- Liability insurance, which covers bodily injury and property damage to third parties for accidents that you cause and are determined to be at fault for.
- Bodily injury (BI) liability coverage of at least $25,000 per person/$50,000 per accident
- Property damage (PD) liability coverage of at least $20,000 per accident
- Uninsured motorist coverage (UM), which pays for your own medical expenses that the other driver would have been liable for if they had car insurance
- At least $25,000 per person/$50,000 per accident
- Underinsured motorist coverage (UIM), which pays for your expenses when the at-fault driver has car insurance but it is insufficient to cover your expenses. This coverage is optional in Illinois. But it becomes mandatory when you choose to purchase UM coverage limits that are higher than the state minimum (25/50).
It’s important to understand that the minimum auto liability insurance requirements may not be sufficient in all circumstances. If you cause a major collision, the resulting expenses can be insurmountable. Any expenses that exceed your coverage limits must be paid for out of your pocket. If you are sued for negligence, you’ll have to pay for an attorney and court costs, and you could be required to pay a settlement or judgment to an injured party. With the help of an independent insurance agent, you can assess your risks and determine how much liability coverage is necessary to adequately protect your family.
What Else Can an Orland Park Car Insurance Policy Cover?
Insurance companies also offer several types of optional coverage in addition to what is required by the state. You can choose the options that best fit your needs.
- Collision coverage: Covers damage to your vehicle sustained in a collision, regardless of who was at fault. Lenders typically require this coverage if you are still paying for your car, and dealerships are likely to require it if you are leasing your car.
- Comprehensive coverage: Covers the cost to repair vehicle damage caused by non-collision events such as floods, fires, falling objects (e.g., trees), and property crimes (theft, vandalism). Lenders typically require this coverage if you are still paying for your car, and dealerships will probably require it if you are leasing your car.
- Medical payments, or personal injury protection (PIP): Pays for your own medical expenses following an accident, even if you are at fault.
- Towing and roadside assistance: Covers the cost of a service call if your vehicle becomes disabled while it is out on the road.
- Rental car reimbursement coverage: Pays for the cost of renting a vehicle while repairs are being made to your car following a covered event.
A local independent insurance agent can help you learn more about these coverage options.
Why Get Coverage Against Uninsured Motorists in Orland Park?
Not all drivers purchase car insurance. Unfortunately, if an uninsured driver hits you, you have to pay for your own vehicle damage and your own medical bills.
- How many US drivers are uninsured? 12.6%
- How many Illinois drivers are uninsured? 13.7%
You can protect yourself with uninsured motorist coverage. It pays for vehicle damage and medical expenses if you cannot collect from an uninsured driver. Uninsured motorist coverage is required for Illinois drivers.
Can Car Insurance Cover Vehicle Thefts in Orland Park?
The average auto theft rate in Illinois is lower than the national average. The auto theft rate in Orland Park is very low, which is great news for local vehicle owners.
- National auto theft rate per 1,000 vehicles: 2.94
- Illinois auto theft rate per 1,000 vehicles: 1.56
- Orland Park auto theft rate per 1,000 vehicles: 0.14
Remember that your car can be stolen anywhere you travel, so you’ll still need insurance protection for auto theft even if you live in a very safe city like Orland Park. If your car is stolen, a car insurance policy with comprehensive coverage can help you replace your stolen car as well as any belongings that were inside it.
Why Contact an Independent Insurance Agent in Orland Park?
Drivers in Orland Park can work with a local independent insurance agent to find the right auto insurance. Independent agents can work with multiple insurance companies so you can compare quotes and choose the best policy for your needs and budget.
Find an agent in or near Orland Park to learn more.