Cicero, one of Chicago’s suburbs, has a population of around 83,000. Between 1990 and 2000 the population increased by 27%, but it has tapered off over the past fifteen years. The Town of Cicero is one of the oldest and largest municipalities in the State of Illinois and the only incorporated town in Cook County. Cicero has seen new growth in its commercial sector, with many new mini-malls and large retail stores. New condominiums are also being built in the city. The cost of living in Cicero is equal to the Illinois average, and 1% lower than the national average. Cicero is safer than 49% of the cities in the United States, but it is still important to take a couple minutes to compare all the choices for cheap insurance Cicero has available.
Cicero Insurance Requirements
Estimates show that traffic delays cost the average Illinois commuter over $1,100 a year. Because the highway system is so unpredictable, most commuters plan for extra time every day to account for possible delays. For real time traffic conditions the Department of Transportation has a map showing current congestion spots. Traffic conditions and frequent delays result in an average of 51 hours of delay per commuter.
- 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 one of the biggest contributors to Cicero’s increased auto insurance premiums is the rate of uninsured motorists, which is 15% statewide. 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 Cicero can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation In Cicero
Metro BNSF provides rail service to Chicago’s Union Station, as does the CTA Douglas-Pink Line. If your commute takes you into the city, you might consider one of these options, or a bus option. The less miles you put on your car each year, the less you will pay for your auto coverage. Keeping your driving record clean can be a challenge when there are so many cars on the road. Defensive driving, and obeying all local traffic laws, will help keep your rates low. Even one ticket can result in hundreds of dollars in additional premium.