The Best Auto Insurance in Aurora, Illinois

Allstate covers 16 million customers throughout the United States. Many people choose Allstate for its ability to connect protection between multiple auto policies, as well as home, business, motorcycle, travel, pet, and umbrella insurance. It’s also one of our preferred providers for teen drivers due to its affordability and wealth of discounts for young drivers and students. Check out our Allstate review for a closer look at the provider.

Getting Auto Insurance for Your Teen Driver

According to census data, almost 43 percent of households in Aurora have children under the age of 18 living with them. Since Illinois law requires every driver to have insurance, your teen driver must be insured. We usually recommend adding your teen to your policy because it’s more cost-effective than having them get an independent policy.¹ You can add them to your vehicle, or if they have their own and your name is on the title, you can add their vehicle to your policy. In either instance, your insurance rate will increase.

Discounts for Teen Drivers

Auto insurance rates for teen drivers are higher than for other age groups due to their lack of driving experience. This inexperience can result in more dangerous distracted driving habits and increased incidents on the road.

Allstate has many discounts geared toward reducing the financial burden of adding a teen driver to your insurance policy. We like that the provider has three ways to earn a student discount. If your young driver is unmarried, a full-time student, and under 25 years old, they need to fulfill one of these requirements:

• Hold a GPA of 2.7 or above (at least a B- average)
• Complete the TeenSMART driver education program
• Attend school at least 100 miles away from where the car is garaged (and are younger than 21)

You can also utilize Allstate’s Milewise pay-per-mile insurance option, as teen drivers tend to drive less than adult drivers in the U.S.²

Accident Forgiveness

Allstate’s accident forgiveness coverage add-on ensures premiums won’t increase even if your teen driver is at fault in an accident. Unlike other providers, Allstate does not require a waiting period to add accident forgiveness to your policy. Another benefit: For every six months without an accident, your teen driver will receive a safe driving bonus of up to 5 percent. Educate your teen on safe driving habits to keep them safe on the road and save you money on auto insurance.

Guided Solutions is an insurance broker that offers auto insurance as well as home, life, Medicare, and business insurance. Its employees compare quotes from providers based on your profile and present you with the options. Brokers are not tied to any specific carrier, so you get the benefit of reviewing policy options from all of the agency’s partners. Learn more about Guided Solutions and the difference between agents and brokers below.

How to Use a Broker

A huge benefit of using a broker is that they work for you. Agents are acting on behalf of the company writing the policy; as such, the process is quicker, but it’s to their benefit for you to transact with their company. Brokers act as negotiators on behalf of the consumer; they present more policy options and then refer you to the carrier you choose to complete the transaction.⁴

Partner Agencies

Guided Solutions works with many well-known insurance companies. Its brokers can typically offer hard-to-negotiate deals and coverage options from these providers:

• Travelers
• American Integrity
• Safeco
• Progressive
• Nationwide
• Frontline Insurance
• Stillwater Insurance Group
• Tower Hill Speciality
• Branch
• Heritage Insurance
• Openly