Thoroughly explore the possibilities. Expect higher rates as base premiums are more expensive for those with poor driving records. Plus, there may be added surcharges for recent violations and crashes.

Get several quotes, but do not buy a policy on price alone. Be certain the insurance company is financially sound, has a good complaint record, and is licensed to operate in this state. Unlicensed companies are not subject to Illinois insurance laws.

Ask a local agent about the Illinois Auto Plan if you run out of options. The Auto Plan is the 'market of last resort' as rates are typically more expensive than other carriers. Basic requirements:

1. Turned down for coverage by multiple insurers.
2. Have a valid driver's license or be eligible to apply for one.
3. No outstanding insurance premium owed for the last 36 months.
4. Vehicle in safe operating condition.

Focus on improving your driving record in the coming months and years. Those without tickets and accidents can choose from multiple insurers and normally pay less for auto insurance.