Cheap Insurance Rockford

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.

Car Quote

Motorcycle Insurance

The same rules apply for motorcycle insurance as they do your auto insurance policy. You need $25,000/$50,000 for your bodily injury liability (per person/per accident) and $20,000 for your property damage liability. Basic coverage isn’t expensive, but if you take time to look at all the options for cheap motorcycle insurance Rockford has available, you’ll find you can increase your coverage at reasonable rates.

And that’s what you want to do if you’re going to be riding a lot. Rockford and the surrounding areas have tons of great riding opportunities. Take the Rock River Ride as an example. It’s mostly on two-lane roads (which is safer) and it gives you views of rural Illinois and some great natural scenery.

Maybe you’re more of a motorcycle commuter though. If that’s the case, it’s even more important to look for ways to save money.

Motorcycle Insurance tips

  • Because of the higher risk of a total loss, it is recommended you purchase physical damage coverage with your Motorcycle Insurance policy (Comprehensive and Collision coverage)
  • If you are financing your motorcycle most banks will require physical damage coverage with up to a $1000 deductible
  • You can purchase policies with specific coverage for your accessories (helmets, jackets, boots, etc.)
  • Rates can vary depending on frequency of use and the “riding season.”
  • You will still need to have your current proof of insurance and registration when riding.

Take a couple minutes to look over your offers.
Cycle Quote

Homeowners Insurance

Maybe you already have your dream house, or maybe you’ve just purchased your “starter home.” Either way, you should be checking for better rates every year. Whether your home value has changed, or there are new products, there’s always a reason to check for new quotes. Smart consumers look at all the choices for cheap homeowners insurance Rockford has to offer. Just like with your car and motorcycle insurance, checking the rates every six months ensure’s you’re always paying the lowest rates.

Annual homeowners insurance rates in Rockford are close to 30% lower than the state average, at around $1,100 per year. But keep in mind these rates can vary. It all depends on the housing market, the value of your home, and what sort of discounts you have applied.

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.

Potential discounts

Your insurance agent isn’t going to automatically know what discounts you qualify for. So it pays to have this information ahead of time so you can ask the right questions. A little bit of research can end up saving you hundreds of dollars per year. Here are some common ones, as well as some that you might not be aware of:

  • 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.
  • Living in a gated community or a neighborhood with a homeowner’s association can mean lower rates.
  • Having new plumbing, a newer roof, or even new wiring in your home can lower your monthly or annual bill.
  • New rating factors. Companies revise their rating structure every year in some cases. There’s a good chance you’re on an older plan, so take a few minutes to see if your company has updated its rating.
  • If you’ve never filed a claim against your homeowners insurance, you’ll pay lower rates.
  • If you switch companies, make sure your new company is giving you credit for your previous policy.


Take a few minutes to compare your options for homeowners insurance in Rockford.
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 for the worst-case scenario. This is the part that makes it difficult to think about, but avoiding it can put your family at risk.
  • Policies can cover millions in “death benefits,” depending on your policy. And it’s usually not as expensive as you would think.
  • Your payout will serve as replacement income for your family and can help cover funeral costs at minimum.
  • Some policies can act as an investment or savings account, allowing you to withdraw money or use as collateral on loans.

The basic types of life insurance:


  • “Term Life” pays its benefit if the insured person dies during a specific period of time.  This time period varies, but is typically 20 years. This is one of the most common policies and is usually purchased by younger people who want to protect their family if the worst happens while they are still in their “earning years” or pre-retirement.
  • “Permanent Life” provides lifelong coverage. You can use it to accumulate tax-deferred cash value, withdraw some of the funds you’ve contributed, or borrow against it. You should still buy this policy when you are young, but it doesn’t punish older customers as much as Term Life.


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

Health Insurance

You and your family need to have the best cheap health insurance Rockford has to offer. The US has some of the best medical care in the world, but it comes at a premium. Until serious changes are made to our national health insurance policy, and the cost of care, it is crucial that consumers learn as much as they can about their options. Thankfully, many of the best doctors an hospitals are located in and around Rockford. For example, Northwestern Medicine was recently named one of the best hospitals in the nation, and it’s only about 90 miles from Rockford!

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 persons healthcare bills. These plans 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.
  • Through managed care policies, the insurance company must approve certain aspects of care for the patient.
  • It may be common knowledge, but the trend seems to be that the more wealthy a country, or a household, the more they can afford to spend on healthcare.
  • The highest amounts of money spent on healthcare are for people 60 and older.  Not only does this mean that older people need more healthcare, but that premiums are usually higher depending on someones age.


Every city is different, but in Rockford 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 rent in Rockford is around $700/month, depending on your neighborhood. This is much lower than other parts of the state. But even so, it doesn’t always 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 Rockford 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