Auto Insurance Changes: Will It Be Based on Your Driving Record?

A young man named Zion from Chicago’s south side was thinking of buying a Volkswagen Jetta, and he needed the right coverage to be able to drive it. But the price tag for auto insurance was too high, and Illinois law prohibits people from driving without the proper insurance. What he discovered – according to a video on the Secretary of State’s website – was that his zip code wasn’t helping. The same coverage would cost far less in a suburb.

Zion’s experience highlights a question many Illinois drivers are asking right now: are auto insurance rates changing, and will your driving record matter more than it previously did? While insurance pricing has always considered multiple factors, it’s true that recent shifts in the industry suggest that how you drive could play a growing role.

Are Auto Insurance Rates Changing in Illinois?

Across Illinois and nationwide, auto insurance costs have been rising, leading to concerns about affordability. Drivers may notice the changes when they renew even if nothing about their driving has changed. Factors like increased vehicle repair costs, inflation, and higher claim payouts have pushed insurers to re-evaluate how they price coverage. As a result, companies are placing a greater emphasis on risk — and that often starts with a driver’s history.

Location has long affected rates, but with insurance costs climbing overall, its impact may feel more noticeable to drivers. However, while Zion can’t control where he lives, he may be able to lower his insurance rates over time by maintaining a clean driving record and avoiding violations.

Related reading: Read on to find out about Digital IDs, another recent change.

How Your Driving Record Affects Auto Insurance

Insurers cannot deny coverage based on location alone, but ZIP codes, traffic density, and claim frequency can still influence a person’s rates. So can the way you drive. A clean driving record has always helped keep insurance costs down, and it’s becoming even more important to drivers who want to maintain their coverage.

Insurers typically review multiple criteria that could impact your insurance premiums:

  • Speeding or traffic violations
  • At-fault accidents
  • DUI or reckless driving convictions
  • Lapses in insurance coverage

Drivers with fewer violations are often viewed as lower risk and may qualify for better pricing. On the other hand, if you were recently ticketed or were in an accident, that can lead to higher premiums — regardless of vehicle type.

Usage-Based Insurance and Driving Behavior

Some insurance companies now offer usage-based programs using technology such as GPS that track driving behavior. These tools are designed to monitor speed, braking, mileage, and the time of day you drive. For safe drivers, this option can translate to potential savings. For others, it may reinforce how closely driving habits are tied to insurance costs.

While participation is optional, these programs reflect a broader shift: insurance pricing is increasingly behavior-driven.

What Illinois Drivers Can Control

Drivers can’t always control where they live, but they can control their driving record and vehicle compliance. Keeping plates current, avoiding lapses in registration, and addressing title or sticker issues promptly helps prevent unnecessary tickets that could impact insurance rates.

These and other types of requirements for drivers of all types of vehicles can be managed at neighborhood CFSC Auto Services locations throughout Illinois. By taking care of these tasks quickly and conveniently, CFSC helps drivers avoid costly penalties that can follow them long after a traffic stop.

How CFSC Auto Services Can Help Drivers Stay on the Road

CFSC Auto Services doesn’t sell insurance, but it does a lot to help Illinois drivers handle the essentials that keep vehicles legal and stress-free — from license plate stickers and title transfers to registration services and more.

Visit your local CFSC Auto Services to take control of your routine auto needs today!

Digital ID in IL is Here! But Don’t Ditch Your Physical ID Just Yet

Ever heard of digital driver’s licenses? They are part of an effort across the U.S. to modernize how ID works, with different states and phone platforms rolling out their own versions. That might seem like good news for someone looking to ditch their bulky wallet, but you should probably hold onto it for now.

(Ditching your old plates is another story – just find the right way to do it.)

Digital IDs Don’t Replace Your Driver’s License

It’s all a bit new. It remains to be seen what establishments will be accepting them, as well as what the potential downsides could be. If you try it out, you should probably still carry your physical ID – especially while driving. Drivers need to carry a physical driver’s license to stay on top of the law.

It’s just the latest way that society is figuring out how to securely store drivers’ information digitally. For another example, read our recent blog on using the Emergency Contact Database.

Illinois Mobile ID: What Drivers Should Know

What we know is that Illinois drivers now have the option to add their driver’s license or state ID to certain devices. For example, something called Illinois Mobile ID was recently designed to make it easier to prove your identity in certain situations. O’Hare and Midway airports currently accept this form of ID to verify the age and identity of passengers.

It won’t replace your physical license or state ID, but it might be useful for international travelers who pass through a lot of TSA checkpoints. Eventually, digital IDs could become an option for age or ID verification at businesses and venues that accept them.

How Does Illinois Mobile Driver’s License Work?

The Illinois Mobile ID is simply a digital version of your driver’s license or state ID stored in the “wallet” of your smartphone, as long as that app supports digital ID verification. However, this optional digital ID does not replace your legal credential for activities such as driving, something to keep in mind in case you get pulled over. The state still requires drivers to have their physical license with them, especially when behind the wheel or interacting with law enforcement.

How to Add a Digital Illinois ID to Your Phone

Currently in the state of Illinois, digital IDs are only available on Apple Wallet, but other options are in the works. IDs are added through a smartphone’s built-in wallet or identity app.

Generally, adding it requires you to scan your ID, wait for it to be verified – for instance, through face ID or touch ID – and then approve the information you want to share. There will eventually be more mobile ID options for users of different mobile platforms. People who are considering following the trend should do their own research so they make the best decision for themselves, and then make sure their information will be encrypted and stored securely on their device.

Visit the official Illinois Secretary of State website to learn more about digital IDs.

For Now, Digital IDs Are Optional & Uses Are Limited

Different platforms are developing ways to store government IDs this way. The details vary by state, and the decision is fully optional. For now, users have limited options for loading digital versions of their ID, which might not be of use in many situations. While companies say mobile IDs are secure, at this early stage, keep in mind that they don’t replace your driver’s license, and it will take time to see how well these mobile wallets hold up in real-world use.

If you travel frequently or simply like having digital backups, adding your Illinois ID to your phone’s “wallet” may be convenient. But drivers who rarely fly or prefer keeping things simple might want to wait and see until more testing shows how secure they really are. Eventually, they may become more useful as more locations start to support them.

CFSC Auto Services Handles Titles, Transfers & More in Illinois/Wisconsin

While digital IDs may be a cool new innovation, you’ll still need a traditional ID to manage all the things that allow you to drive: like physical licenses and plates. If you need help with license plate renewals or transfers, stop by your nearest CFSC for quick, convenient auto license services throughout the state.

Contact us online to stay on top of your routine car-related needs and find out what else we can do for you! Ask about our evening and weekend hours at a location near you.

Why Use the Emergency Contact Database in Illinois or Wisconsin

No one expects an accident, especially one that necessitates a call to your family to inform them of what happened. However, when this does happen, it can be really convenient for an emergency contact to be neatly stored where it will be easily located by the people who need to use it.

The Benefits of Listing Your Emergency Contact in a Database

Illinois has an emergency contact database set up for folks with drivers licenses or other proof that they live in the state. It’s one of many states that aims to help people in difficult situations where they are injured or unable to reach out to a loved one themselves, for any reason. It doesn’t cost anything, is easy to set up, and your info can be updated anytime.

All that’s needed is the person’s name, phone number, address, and how they’re related to you. If something happens to you, your emergency contact can get notified right away, avoiding delays in communication.

Examples of When Someone Might Call Your Emergency Contact

Emergency Contact isn’t just the name of a pop tune, although that’s a sign this helpful idea is catching on. It’s not just about car accidents, but any scenario in which someone needs to be contacted fast. And if you do drive a lot, then all the more reason to consider entering your information. If something happens to you on your next road trip, first responders will appreciate a fast, reliable way to reach the right people.

Examples of when someone might need to call a friend or family member using the database:

  • A car accident – or even a snowmobiling one – that leaves you unconscious
  • A medical emergency such as a stroke or severe allergic reaction that makes it difficult to speak
  • A crisis situation where responders need to reach the family quickly
  • Someone discovers you after you’ve been injured with no ID info other than your license
  • Someone goes missing and police want to run their ID info through the database
  • Any incident where you’re unable to communicate who to call

It’s basically a “just in case” safety net, and it’s not only for Illinois drivers, since other forms of ID are accepted. It is simply an efficient way to collect information on Illinois residents. Most likely, it will never need to be used. However, if something does happen, having your emergency contacts instantly reachable can save time, help a spouse or parent reach you faster, and make a huge difference overall.

Do you remember the rules of the road? Take this brief test to find out.

Some Key Details About the Database

The database was created in 2009 as a way to store in one place the emergency contacts of people with an Illinois driver’s license or ID card. A year later, the state expanded it so users could include key medical information or details about a disability or special needs.

What Else Should You Know Before Joining the Emergency Database?

  1. The contacts you enter don’t have to be Illinois residents.
  2. It’s secure and only used for emergencies
  3. Only law enforcement can access it.
  4. It’s only used if you’re in a situation where you can’t communicate.
  5. It’s totally free and optional – no pressure!
  6. It helps people with medical conditions such as epilepsy that make them more at risk.
  7. If you add medical or special-needs info, responders can make better decisions, faster.

Another cool thing drivers can do is sign up to become organ donors. It doesn’t mean they will. But if you’re interested or are ready to get your new driver’s license, go here to find out more about becoming an organ or tissue donor.

Explore Your State’s Emergency Contact Database to Learn More

A couple more things to know about the database and how to join (check the official website thoroughly before entering your personal information). Different forms of ID are accepted: an Illinois driver’s license, instruction permit, state ID card, TVDL or CDL.

Registration: Ready to get started?

Here’s where you register in Illinois.

Here’s where to register in Wisconsin.

Visit CFSC Auto Services Throughout Illinois & in Southern Wisconsin

Before you register (and even if you don’t), be sure your driver’s license is current. That will make it much easier when it’s time to:

  • Pick up auto stickers
  • Get a new license plate
  • Transfer a plate
  • Other necessary auto tasks

Find the nearest CFSC Auto Services to use our handy services and find out more!

Should I Buy a Snowmobile? What to Consider

Those Midwestern cold snaps and first snowfalls always seem to come earlier than expected. Like with “van life,” some people yearn to be on a snowmobile. If you hate being cooped up all winter, you might even consider buying one. It’s one way to continue the outdoor fun and connect with nature.

If there’s more than one user in the household, all the more reason to consider this investment. However, there are some important considerations before committing. We’ll help you think through the decision.

1. How Much Do You Enjoy Snowmobiling?

The first question to answer is pretty straightforward. If you already know you love the snowmobiling experience, then being a proud owner of one may seem like a great idea. Here’s a map of snowmobile trails in Illinois to boost your imagination and help you plan your next trip.

The next questions are:

  • How much use would you get out of it?
  • Do you have space for storing one?
  • Can you afford a new or used snowmobile?
  • How would you transport one?

Answering them will get you closer to figuring out whether a purchase truly makes sense.

2. How Will You Transport Your Snowmobile?

Unless you have a pickup where it will fit nicely, you may need a sled deck or trailer. Transporting it is another factor that can impact the overall cost and practicality of ownership.

  • Tip: If a major snowmobile trail system is hours away, plan on regular weekend road trips.

When you’re ready, contact your nearby CFSC Auto location to register your snowmobile.

3. Do You Know About Snowmobile Regulations & Safety?

Ownership means following snowmobile laws, which include registration, safety equipment like helmets for riders under 18, and abiding by trail or park rules. Being safe also means knowing how to assess ice thickness, avoid dangerous terrain, and respect other riders and hikers.

  • Tip: Take a snowmobile safety course online, and learn about safe riding areas through local clubs or trail associations.

4. Consider Snow Season & Trail Conditions

Snow conditions in Illinois can be inconsistent year to year. Will you take your snowmobile out of state? You may find more gentle hills and snowy days in Michigan or Wisconsin – yay! Public trails typically require at least four inches of snow on frozen ground before opening.

Northern Illinois may get a few good stretches, but farther south the odds drop significantly.

5. Budget Ownership Costs Realistically

It’s like car ownership. There will be other expenses that should be factored into your budget. A few possibilities:

  • Trailer for transporting it
  • Fuel costs
  • Maintenance and parts
  • Insurance
  • Other travel costs

Illinois requires registration, and some trails require permits or club memberships. In other states, those kinds of costs can add up too. Budget not just for the initial purchase, but for any ongoing annual costs. Consider renting one for a trip or two before committing.

6. Where to Register Snowmobiles in Illinois & Milwaukee?

It’s not worth risking fines for a small registration or title error.

Even in a low-use year, it’s still vital to have your title and licence in order. For simple, fast service, visit any CFSC Auto Services and an assistant will make sure your paperwork is up to date. Call first to clarify fees, requirements, and documentation needs.

Registration is also available at CFSC Auto Services throughout Milwaukee, WI.

Visit us online for more information about our licensing services, which include auto titles, transfers and much more!