Insurance premiums. And erie insurance might have lower rates than national companies like state farm and geico, plus comparable customer satisfaction ratings. S no secret that practicing safe and smart driving habits is the best way to keep your car insurance premiums low and not get into an accident. Also, remember that you still need car insurance in illinois even if you do not own the car you drive. Rarely will your driving history affect your ability to get insurance, but it may affect how much you are likely to pay for your insurance. All illinois registered vehicles undergo an electronic verification program twice a year through a company that receives required real-time information from all illinois insurance companies. Nyoung drivers have higher rates than their more experienced counterparts, but by applying for discounts, shopping around, and maintaining a clean driving record, drivers under 25 can save money on car insurance.