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Chicago, Illinois Car Insurance


Most city dwellers don't think twice before walking even a mile or two when they need something at the store. But when you have further to go, is Chicago the kind of city that makes it easy to live without a car?

In general, Chicago residents who don't have a car wish they did. Those who do have cars complain about the cost and sometimes about difficulty finding parking spaces. But even with the parking issue, cars are still a convenience in the city. Those who buy cars after living without one say they don't know how they survived before. They say that the convenience of going where they want when they want gives them a freedom that pedestrians don't have. Even when they only use their cars sparingly, Chicago drivers are glad to have the option available. Many have friends in the suburbs making it hard to go visit without a car.

Benefits of Car Ownership in the City

Car drivers in Chicago know that you can often go without a car, but why would you want to? Compared to the convenience of owning a car, public transportation is unpleasant. Some people are uncomfortable with the crowd and prefer sitting alone in a traffic delay to getting home quickly in a crowd. It's a nice time-out after a hectic workday. They also complain about the schedules to keep, pressures to make the bus and weather frustrations.

When Walking is Better

Certain areas of the city are better for pedestrians than others. For instance, Gold Coast provides easy access to public transportation allowing residents to get around the city without a car. Congested areas like this are not car friendly unless you have off-street parking. But neighborhoods on the outskirts of the city have fewer public transportation options, making a car more desirable.

The Chicago transit system is not up to the standard New Yorkers are used to. The trains only go toward downtown, so switching lines requires that you go to the end of the line and then change. Trains often experience delays as well. The bus system is a little easier to navigate, but sometimes, disgruntled drivers won't stop to let on passengers.

So the answer is no. You do not really need a car in Chicago...in theory. But most residents would prefer to have a car if they could afford it. The convenience, quiet and freedom a car gives you are worth the expense for most. A car makes travel easier, saves time and frustration.

If you decide you want to have a car while living in Chicago, make sure you get the best rate available by entering your zip code in the box at the top of this page. You'll get a fast and free quote. We recommend you get at least three quotes to be sure you are getting the best price. The more you save on car insurance, the more affordable your car will be while living in the city.

Most people will need to purchase some type of affordable car insurance at some point in their lives, because it is required by law that you have the adequate amount of car insurance to operate a vehicle in most states. However, when it comes to getting the best insurance possible, do you have any idea the best way to look for insurance?

Many people may take the time to look at various companies and this is certainly one of the best ways to help decide the insurance to best suit your needs. We all want to be as well insured as we can be, and this can mean taking the time we need to try and find the best insurance to meet all our needs.

It may be a good idea to look at the size of the company, and this can help you establish if you wish to pursue getting the insurance you need with them. For instance, there are many people that prefer being insured by a smaller company because of the one-on-one feel that many people may get when they use a company that is small in size.

On the other hand there are many people that feel it may be best to get insured with a larger company because they offer savings due to the volume of customers they have. There are many people who feel that a larger company can really offer auto insurance at a much lower rate and at times this may well be the case.

If you live in Chicago, Illinois, it is a great idea to make certain you look into getting insured with either a small or large company so that you will have the proper amount of insurance in the event you are involved in an auto accident. The population in Chicago is around 2,900,000, so you can imagine how important it is to be properly insured.

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