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  • Auto Insurance Costs for College Students in Belleville Illinois

    October 20, 2020
  • What to expect from auto insurance costs for college students in Belleville Illinois

    Like anywhere else in the United States, college life in Belleville, IL, can be quite hectic, and money is always limited. To make things worse, auto insurance rates for students are usually relatively higher because insurance companies believe that insuring young drivers is highly risky. However, there are several things that you can do to get favorable insurance rates. For instance, working harder and getting better grades can go a long way in helping you to negotiate for lower insurance quotes. Therefore, you have to get your act together when it comes to managing the cost of your student car insurance.

    Student car insurance form

    Minimum Car Insurance Coverage in Belleville, IL

    In Belleville, there is minimum liability coverage that is required. The rule is commonly known as 25/50/20. According to this rule, each policy must include $25,000 for individual bodily liability, $50,000 for total bodily liability, and $20,000 for property damage liability.

    Average Car Insurance Rates in Belleville

    Unfortunately, auto insurance rates in Belleville can be quite expensive. The premiums for many residents of the city are much higher than the state’s average of $803 per year and the national average of $889 per year. This implies that the rates for students can be even much higher, depending on factors such as how much they drive, driving records, and also their credit history.

    All in all, as a student, there are several steps that you can take to lower your auto insurance cost. For instance, if you are under 25 years old, you can remain under your parent’s policy as long as your college is less than 100 miles from home. If your college is over 100 miles from home, the only way to remain under your parents’ policy is to avoid driving your car to college and only use it when you come home during school breaks. The other things that you can do to minimize your student auto insurance cost include being disciplined and careful on the road to improve your driving records, working hard at school to get better grades, and maintaining a good credit history.

    Car Insurance Bill

    The Takeaway

    Overall, it is apparent that the cost of auto insurance for students in Belleville can be quite high. However, as a student, there are many things that you can do to keep the cost low. And make your college life more bearable. Do your research well to familiarize yourself with the factors that influence the cost of student auto insurance for you to stay on the safe side.