Bloomington forms the larger city in the Bloomington-Normal metro area, making it the 12th most populated city in Illinois, and the fifth-most populous city in the state outside of the Chicago Metropolitan Area. The city’s growth was largely fueled by the insurance industry and even now, most of the city’s employers are in the insurance and financial industries, the medical sector, or education. The cost of living in Bloomington is 3% lower than the Illinois average, and 4% lower than the national average. Downtown Bloomington offers museums, banks, a legal and governmental center, residential living, a large artists’ community, plus an assortment of specialty retail businesses and supportive services. There is also an abundance of restaurants and a lively night scene, plus a number of special events such as Tour de Chocolat, Farmers’ Market, Tour de Metro, Pub Crawl, and Once Upon a Holiday. These activities bring in many tourists, and Interstates 39, 55 and 74 intersect at Bloomington, making the city a substantial transportation hub. This makes for a lot of traffic congestion, so it is important to take a few minutes to compare all the options for cheap car insurance Bloomington can offer.
Bloomington Insurance Requirements
If you work in education, the medical sector, technology, or even some labor industries you might qualify for additional premium discounts. These are usually referred to as “affinity” discounts, and are given for highly-skilled or highly-educated workers. Be sure to check to see if you company offers them. The overall crime rate in Bloomington is 22% lower than the national average, but it is still important to make sure you have all the auto insurance coverage you need.
- Illinois’ mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
- Illinois’ mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
- Illinois’ mandatory minimum coverage for damage to property of another person is $15,000.
The minimum coverage may be all the law requires, but Bloomington has a large population, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Bloomington can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation In Bloomington
Bloomington is serviced by passenger rail, bus service, and several airlines. Connect Transit proviced bus service within the city with 11 fixed routes that also connect to Illinois State University. It’s not a just a great option for students though. Commuters who leave their cars at home usually pay lower rates for their auto insurance.