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Rockford (known locally as “The Forest City”) is the biggest city in Illinois outside of Chicago and Aurora. Because it is a major urban area in the state, there should be plenty of ways for drivers to find the right options for cheap insurance Rockford agents can offer. Knowing a bit about your city, and the unique characteristics that affect local insurance rates, can help a lot. Here is some information about Rockford to keep in mind when you are shopping.

Rockford has a lot of beautiful scenery, art deco buildings, and local landmarks. If you’re in town for a visit, check out the Anderson Japanese Gardens or the Klehm Arboretum if you’re in the mood for some greenery. The Coronado Theater and the Burpee Museum of Natural History have a lot to offer you history buffs.

We know you’re here for insurance facts though, so here are some things to think about if you live in Rockford.

Factors that affect Rockford’s insurance rates:

  • Flooding is a concern in the area, and can affect rates for your car, home, and renters insurance.
  • As one of the fastest growing cities in Illinois, insurance rates are fluctuating a lot. Fast changes force insurance companies to keep up. So if it’s been more than six months since you last shopped around, there’s probably a better deal for you out there.
  • Rockford has highway connections to many of the mid-west’s major cities, including Chicago, Milwaukee, and Madison. This has helped the transportation and shipping industries grow, but also adds to traffic congestion.
  • In general, the city center (zip code 61104) has the highest population density, with the neighborhoods to the northwest following. These zip codes will typically have slightly higher rates for liability coverage, as there are more drivers on the roads.
  • There were 381 cars stolen in 2012, which is slightly higher than the average for cities of Rockford’s size. However, that rate represents a significant drop from previous years. This helps keep full coverage rates low.
  • Rents are rising as well, but don’t have as much impact on renters insurance.
  • One the other hand, rising home values can cause a matching rise in homeowners insurance.

Let’s break it down by policy type.

Car insurance

We know that with rising insurance rates, people’s budgets are getting tighter and tighter. Because of all the thru-traffic in Rockford, and its proximity to Chicago, there are a lot of cars on the road. Freeway access means shorter commute times, but not necessarily distance. Keep in mind that the farther you drive each day, the higher your rates are going to be. The average cost of auto insurance in Rockford is over $800 a year. This is a lot lower than most suburban areas in the U.S., but that doesn’t mean you shouldn’t shop around. Only a few minutes of your time can bring up all the cheap car insurance Rockford has available. It’s fast and it’s easy, and you can even talk to a professional over the phone!

Like the rest of Illinois, Rockford requires these basic policy coverages:

  • $25,000 in personal injury liability per person (limit per occurrence)
  • $50,000 in personal injury liability for multiple people (limit per occurrence)
  • $20,000 in property damage liability per accident.

Here are some other factors that affect your rates:

  • Age of driver
  • Make/model of vehicle
  • Value of your vehicle
  • History of accidents or tickets (the most obvious)
  • Zip code

Some cost-saving tips:

  • Install an anti-theft device on your vehicle. Most insurance companies will give you a discount on your comp/collision coverage if you have an alarm or tracking device on your vehicle.
  • Drive safe and keep your driving record clean. The Good Driver Discount is by far the biggest cost saver.
  • Raising your deductible can lower your monthly bill a bit. But remember, it will come out of your payout if there’s an accident.

Shop around! Getting comparison quotes is the best way to ensure you are getting the lowest available rate for your coverage.