Back-to-School: Auto Insurance Tips for Young Illinois Drivers

As students return to school, many young drivers in Illinois are getting behind the wheel. With new routines and commutes come new responsibilities. Auto insurance is crucial for new drivers.

Why Is Auto Insurance Important for Young Drivers?

Illinois requires all drivers to carry proof of financial responsibility, which most drivers achieve through car insurance. Coverage is essential for young drivers due to their limited driving experience. Accidents can happen, and insurance may help handle the financial impact, including covering repairs and medical bills.

What Does Auto Insurance Cover?

Auto insurance includes several types of coverage, each serving a different purpose:

• Liability coverage may cover third-party injuries or property damage you cause in an accident.
• Collision coverage may help pay for your vehicle’s repairs after a crash, regardless of fault.
• Comprehensive coverage may help prevent financial loss after noncollision incidents like theft, fire or vandalism.
• Uninsured/underinsured motorist coverage may cover lost wages, medical bills and funeral costs after an accident with an at-fault driver who lacks coverage.
• Medical payments coverage may cover accident-related medical treatments for you and your passengers, up to your policy limits.

How Can Young Drivers Save on Auto Insurance Costs?

Insurance for younger drivers often has higher rates, but there are ways to cut costs. Doing the following may qualify you for discounts:

• Maintain good grades
• Complete an approved driver education course
• Drive a modest vehicle
• Consider being added to a family policy

Contact Us

Bicent Insuremart Agency, Inc. can help young drivers in Berwyn, Illinois, and nearby communities secure ideal coverage at favorable rates. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.