When it comes to finding cheap car insurance, you'll need to consider a variety of factors. These can range from your age and gender to your driving history and credit score.

Keeping your record clean will help you get a lower rate on your policy, as will taking advantage of the many discounts that are available. Illinois drivers who maintain continuous coverage can save around 27% more than those who lapse.

Geico

Geico is one of the cheapest car insurance companies in Illinois and offers a variety of benefits to their customers. Among them are online tools that allow customers to buy and manage their policies without having to speak with an agent.

Its mobile app also lets policyholders stay connected, pay bills and file claims. It also allows users to chat with a virtual assistant called Kate, who can answer questions or provide recommendations.

GEICO is also known for its membership discounts. They offer special discounts for active duty, retired military, members of the National Guard and Reserves, as well as those who insure more than one car with them.

The company also offers a Prime Time Contract for older drivers, which can help them save money on their auto insurance rates after they turn 50. They also offer a wide variety of other discounts and payment plans. If you’re interested in saving money on your GEICO policy, get a free auto insurance quote today!

State Farm

State Farm offers a variety of car insurance premium discounts that can help you save money. These include good driver discount, multi-policy discount, and vehicle safety discounts.

Depending on where you live, you may be eligible for these discounts. In addition, some people may be able to earn a discount for taking a defensive driving course.

A good student discount can also help you save. Students with good grades can get a discount of up to 25 percent on their auto insurance premiums.

Another discount is for drivers who take an approved defensive driving course and maintain a clean record. This can lower your car insurance costs by a few hundred dollars per year.

You can also add rental car coverage to your policy. This helps pay for a rental car while your vehicle is being repaired after an accident. This coverage is available in certain states and can save you money if you drive a rental car regularly.

Allstate

Allstate offers discounts based on your lifestyle, occupation and age. Whether you're looking for a good student driver discount, bonuses for setting up automatic payments or discounts for paying your premium in full, Allstate has something to fit your needs.

Allstate also has a variety of car insurance options to suit your driving style and budget. These include Deductible Rewards(r), which takes $100 off your deductible for every year without an accident, up to $500, and New Car Replacement, which provides the full cost of a comparable new vehicle in the event of a total loss.

However, Allstate's pricing is on the higher end compared to its top competitors. In addition, if you get a speeding ticket, your rate will go up based on national averages.

If you want to save on your auto insurance, consider purchasing a pay-per-mile policy or a roadside assistance plan. The latter will cover basic repairs, like towing or tire changes, and can be purchased as an add-on to your policy or from Allstate's Motor Club subscription service.

Progressive

Progressive offers a variety of discounts to their policyholders, including multi-policy bundles, good student discounts and homeowners discounts. These can be a valuable way to save money.

Teen driver: Adding a teenage driver to your policy can reduce your rates (average discount of 10%). A good student discount is available to full-time students who maintain a B average or higher, and a distant student discount is offered to those who live more than 100 miles away from home without their vehicle at school (average discount varies).

Safe driver: Signing up for Progressive Snapshot collects data on your driving habits through a device that plugs into your car or via a mobile app. The company uses this data to adjust your premiums and you receive an automatic discount for taking part in the program.

Accident forgiveness is available in most states to keep your rates unchanged if you have a claim that costs $500 or less. Large accident forgiveness is available to policyholders who have been with Progressive for at least five years and have been accident-free for three years.