Insurance Rates for Nonlicensed Drivers in Chicago is Becoming Increasingly Cheaper Than Rates for Licensed Operators

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Insurance Navy says that unlike what's expected from auto insurers, car insurance rates for people who were never issued operator licenses are going down, not up. Insurance Navy explains that this phenomenon is related to the assumption that non licensed operators are more careful in driving and file less auto insurance claims.

Auto Insurance quotes locations in Chicago Illinois

Auto Insurance quotes locations in Chicago Illinois

in the past few months Illinois auto insurers are intensely involved in price competition to attract more nonlicensed drivers. Now, a few companies charge less premium for nonlicensed operators compared to their licensed counterparts.

Low auto insurance rates for nonlicensed drivers in Chicago may not be consistent with the rules of conventional wisdom. However, the number of auto insurance companies in Illinois that have adopted the marketing strategy of lower car insurance rates for nonlicensed drivers compared to their licensed counterparts is remarkably increasing.

About ten years ago there was only one noticeable company in the Chicago region that accepted to write auto insurance contracts with operators who possessed only international licenses. Underwriting guidelines have evolved since then with more companies starting to accept not just operators with international licensees but also operators who have not been issued operators licenses at all.

"The vast majority of nonstandard Illinois auto insurance companies are now accepting Illinois drivers that have not been issued operators licensed before," said Rami Snenneh, an Account Manager at Insurance Navy, a principal agency offering auto and Illinois SR22 insurance quotes in Chicago. Actually, almost all non standard Illinois car insurers offer auto insurance coverage for non licensed operators.

What is "striking" according to Mr. Snenneh is the fact that "in the past few months, Illinois auto insurers are intensely involved in price competition to attract more nonlicensed drivers. Now, a few companies charge less premium for nonlicensed operators compared to their licensed counterparts! For instance, many insurers will charge higher premiums for someone age 25 years who has a license, as compared with another unlicensed operator with similar characteristics."

Nonlicensed operators include everyone who was never issued a US licensed, regardless if they are American citizens or not. The rationale behind charging nonlicensed operators less money is the notion that nonlicensed people are more observant of traffic rules in their driving and file less claims. For that reason, claiming to be unlicesned for a licensed operator is considered to be a misrepresentation that can lead to nullifying the auto insurance contract.

Mr. Snenneh explained that "issuing an auto insurance policy for a nonlicensed driver does not qualify or preclude unlicensed drivers from driving. An auto policy listing nonlicensed individuals as operators means that the insurer will pay for damages caused by that operator in the event of an accident."

About Insurance Navy
Insurance Navy Brokers Inc. is a leading provider of auto insurance quotes, SR22 insurance quotes in Illinois, and other business insurance. The agency represents a great number of insurers, and is licensed in the States of Indiana and Illinois.

Contact:
InsuranceNavy
2327 North Cicero Avenue, Chicago, Illinois 60639
(773) 637-7700

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