Cheap Insurance Aurora

Insure Yourself in Aurora

From its early days as a mid-size manufacturing town, Aurora’s population has quadrupled since 1950. In fact, it’s now the second-largest city in the state of Illinois. Its location on the outskirts of the Chicago metropolitan area means a lot of commute traffic. Like any major suburb, cost of living is higher than the national average, which makes it all the more important to shop the options for cheap insurance Aurora has to offer. It’s always important to be properly covered, Especially in urban areas with more traffic.

The city has invested in attracting technology companies. Because of its location on the BNSF railway, and the proximity to various interstate highways, it also serves as a regional transportation hub. The cost of living in Aurora is higher than both the state’s average and the national average.

 

Facts about Aurora

 

The Aurora area is well known for its impressive collection of architecture, including structures by Frank Lloyd Wright, Ludwig Mies van der Rohe, Bruce Goff and George Grant Elmslie. Aurora attracts many tourists due to its a rich history of entertainment. There are several theaters in the downtown area and several large community parks with baseball stadiums, circus acts, and race tracks. Tourists means heavier traffic, and a higher risk for accidents, so make sure you’re properly covered.

Public Transportation In Aurora

 

Aurora is the final stop of the Burlington Northern Santa Fe line of the Metra commuter rail system, allowing rail service into Chicago. Pace Suburban Bus operates local bus service within Aurora six days a week, and  Metra trains and Pace buses stop at the Aurora Transportation Center. The average travel time to work in Aurora is 14% higher than the national average, yet the number of people who take public transportation in Aurora is 9% lower than the national average. Putting more miles on your car each year results in an increase in your liability and collision coverage rates, so utilizing public transportation or carpooling is one of the best ways to keep your mileage low and avoid rate increases.

 

 Car Insurance

Minimum Requirements in Aurora

 

Illinois’ minimum auto insurance rates are slightly higher than most states, and have gone up in recent years. These increases are meant to keep pace with rising vehicle repair and medical costs. But it also means you reshop your auto policy to take advantage of the cheap car insurance Aurora has available.

Here is the basic coverage required:

  • The mandatory minimum coverage for bodily injury or death of one person in an accident is $25,000.
  • Illinois’ mandatory coverage for bodily injury or death of more than one person in an accident is $50,000.
  • You’ll need at least $25,000 of coverage for damage to property of another person if you want to drive in Aurora, or anywhere else in Illinois.

The minimum coverage may be all the law requires, but Aurora 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 Aurora can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

 

There are plenty of tips for finding insurance in any state. However, if you contact an insurance broker you can usually get a better deal. Brokers represent you, rather than the insurance companies. With some basic information they can help find discounts you might not know about.

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.

 

Some of the factors that affect your rates.

 

  • Age – younger drivers have less experience, and usually pay higher premiums.
  • Vehicle type – sedans or commuter cars are cheaper to insurance than sports cars or SUVs.
  • Years of insurance coverage – the longer you’ve been driving, the cheaper your rates get!
  • Vehicle value – cheaper cars are cheaper to insure.
  • Length of commute – the more you drive per day, the higher your insurance rates.
  • Zip code – population areas usually result in more expensive car insurance.

Get the same cheap car insurance Aurora residents are already signing up for!
Car Quote

 

 

Motorcycle Insurance

 

Like most states, Illinois requires motorcycle riders to carry the same basic coverage you have on your auto policy. Because so many Aurora residents commute, it’s tempting to use your motorcycle to avoid as much traffic as possible. Just don’t get distracted by the beautiful view of the Fox River!

You might be a recreational rider, or you might use your bike for your commute. Either way, you need to make sure you have the same cheap motorcycle insurance Aurora riders are buying every day.

Minimum Motorcycle Coverage

The same requirements apply to both car insurance and motorcycle insurance. Here is the basic coverage you need to get on the road:

 

  • $25,000 of coverage for bodily injury (BI) or death of one person.
  • $50,000 of BI or death coverage for multiple people in an accident.
  • $25,000 of coverage for damage to another person’s property.

 

Tips to help you lower your motorcycle insurance rates

 

  • Safety certificates can sometimes be added as a permanent record on your license. If you have one, make sure your insurance company knows so you get the appropriate discount. Insurers will see you as a lower risk, which means cheaper rates.
  • If you have more than one motorcycle, make sure they’re all on the same policy. This will give you a multi-vehicle discount, just like on your auto insurance policy.
  • In fact, it usually pays to have all your policies with the same insurance company. That way you get the bundling discount.
  • The longer you’ve been riding, the more experience you have. So be patient and safe. Your rates will only go down.
  • If you’re a member of a national riding club, you might want to ask you insurance company if they offer even more discounts.

 

Any time you have questions, feel free to call one of our insurance professionals. They can even look at your current policy to see if you’re paying too much. Thousands of Aurora residents are already getting competing quotes.
Cycle Quote

 

Homeowners Insurance

The average monthly rate for homeowners insurance in Illinois is around $90. However, this rate can vary wildly. Especially in today’s market. Just a couple years ago the average house in Aurora was just over $200,000, and it keeps going up! So if you want to save money in other ways, take a look at the options for cheap homeowners insurance Aurora can offer. There are new policies and new rates being added every day.

Your typical homeowners policy covers the following:

  • Damage to your house, including permanent structures on your property, like sheds or garages.
    • Some types of damage is excluded, so always read your policy carefully.
  • Personal property coverage includes all the items in your home that aren’t attached.
    • Smart customers make lists and take pictures of their belongings. That way you can get properly reimbursed for theft or loss.
  • Liability coverage protects you against legal matters related to an incident or accident on your property.
  • Loss of use coverage allows you to maintain your lifestyle at another residence or rental while your house is undergoing repair or reconstruction.
    • This coverage can pay for anything from an extended hotel stay to a long-term rental.

Common available discounts

You might be surprised what discounts you qualify for. Sometimes you have to do a bit of digging, but a few minutes of extra work can save you hundreds per year.

  • Alarm systems can lower your monthly rates.
  • Sprinkler systems aren’t required in every state, but can give you a significant discount on your policy.
  • Bundling your HO policy with your auto or personal liability policy can get you a discount.
  • Close proximity to a fire station lowers your rates.

Take a few minutes to compare your options for homeowners insurance in Aurora.
Home Quote

Life Insurance

Life insurance can be a difficult subject to discuss. Just the thought of it can bring to mind the worst scenarios. We understand that, which is why we try to talk about life insurance in terms of security. For you and for your loved ones. Then it becomes an investment in your future, and the future of your loved ones.

Nearly 40% of Americans don’t have a life insurance policy. In the past it’s been a fairly expensive type of insurance. But every year there are new companies with new policy offers. Take a few minutes out of your busy schedule to look at the many options for cheap life insurance Aurora residents are already finding.

Want to know more?

  • Life insurance is about planning ahead.
  • It is about providing for your family or loved ones if the worst should happen.
  • Policies can cover up to millions of dollars in “death benefits,” depending on the policy you purchase.
  • Can cover medical bills, funeral costs, mortgage payments, or other living expenses.
  • It can serve as replacement income for your family if you are the primary earner.
  • It can often be used to provide a cash value you can withdraw or borrow against later, depending on the the type you buy.
  • There are hundreds of life insurance companies in the United States. Some specialize in this type of policy. Others have it as part of the portfolio of coverages.

The basic types of life insurance:

  • Term life insurance will pay a benefit if the insured dies during a specified term. This term can vary, but is usually around 20 years. Many customers buy this when they are young, while they are still building their net worth. It is meant to make up for any loss of income before retirement. However, when the term ends you will have to buy a new policy to replace it. This will cost more the older you are.
  • Permanent life insurance can provide lifelong coverage. You can also use it to accumulate tax-deferred cash value. The kind you can withdraw or borrow against. It’s commonly used as an investment or savings alternative. It can range from coverage until a certain age (100 years in some cases) or for your entire lifetime with no age limit. Thes policies cost more, but don’t have any limits as to what age they pay out.

A few minutes of your time can provide you with dozens of quotes for the cheap life insurance Aurora has available.
Life Quote

 

 

Health Insurance

 You and your family need to have the best cheap health insurance Aurora has to offer. The United States has some of the best doctors in the world, and many of them live in and around Aurora. And Chicago is right next door, with dozens more hospitals and hundreds of doctors to choose from.

While our nation’s healthcare system is a work in progress, you have the luxury of attaining insurance at an affordable rate. When you call Cheap Insurance and ask about what health insurance options we have, you will get detailed information on healthcare options, and tips for your specific lifestyle and situation. We can help find doctors who accept the insurance you choose, and give you options that fit your budget.

 

The first step is to learn what health insurance is and how it works.  

  • Health insurance is an insurance that pays for all or some of a person’s healthcare bills. These policies range from group health plans, individual health plans, worker’s compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • Costs can vary wildly between policies. With our national network of Health Insurance Professionals we can help you find all the possible discounts available to you

Every state is different, but in Aurora the average cost of an inpatient hospital stay is almost thousands of dollars per day! Don’t be stuck without coverage, or the wrong kind of coverage!

What types of health insurance are available?

The two main types of health insurance policies are:

  • HMO policies. This stands for Health Maintenance Organization. These policies are typically cheaper, but generally require a patient to go to specific health care providers in the HMO “network.” This can limit your options, but your deductible or out-of-pocket cost is a lot lower.
  • PPO policies, or Preferred Provider Organization. These policies give you more flexibility when choosing your doctor or hospital. This flexibility generally means a higher annual or monthly health insurance premium.

But within those categories there are hundreds of other decisions to make. Whether it’s your deductible level, co-pay rates, annual limits, things can get complicated. The best way to find the coverage you need is to speak to a professional. Take a few minutes to look at your options, so you can begin planning your policy.

Health Quote

 

Renters Insurance

Average rents in Aurora are well over a thousand dollars a month, depending on your neighborhood. You might be thinking this doesn’t leave a lot of room in your budget for another insurance policy. But renters insurance is actually the most cost-effective way to protect yourself and your property. Take a few minutes to consider the cheap renters insurance Aurora can offer.

Policies average around $25/month, and can cover tens of thousands of dollars of personal property. They will cover hundreds of thousands of dollars in personal liability, depending on what plan you choose.

Did you know it can also lower your other insurance rates if you bundle them together? In fact, many customers find their overall rates to be lower when they buy a new renters policy.

Remember, your landlord or property management company isn’t responsible for you or your belongings. Not having proper coverage can put you at risk in the event of a fire, flood, or other natural disaster. And that’s not including the risk of burglary.

Get covered today and rest easy, no matter where you live.

Renters Quote