Illinois Auto Insurance Quotes Online
More than 10 million Illinois drivers hit the roads every day. Every one of them needs an Illinois auto insurance policy to drive legally and for protection against costly accidents from the uninsured. Buying auto insurance in the state of Illinois has some special requirements, however. Drivers who know the legal minimums for their state can make smarter choices about their Illinois auto insurance quotes, potentially saving a lot of money.
Illinois drivers must carry minimum liability insurance of $20,000 in case of bodily injury to a single person and $40,000 for bodily injury to two people or more. Expect to need a minimum of $15,000 in liability insurance for property damage caused by an auto accident. This required coverage is often referred to as 20/40/15 in the insurance industry.
If you buy Illinois auto insurance, you'll also need to carry uninsured motorist coverage. This insurance covers your own injuries if you're hit by someone illegally driving without a policy. Get quotes for a minimum of $20,000 for bodily injury to a single person in the car and $40,000 for bodily injury to two or more people.
Technically, this is the minimum you'll need for Illinois car or truck insurance under state law. However, that doesn't mean you shouldn't get quotes for policies with other options. After all, the uninsured motorist coverage listed above does nothing to fix damage to your vehicle. It's also very possible for the damage to exceed what the insurer will pay if you choose to carry only minimum coverage. It may seem inconvenient now, but getting quotes for several different types of policies gets you the information you need to make a smart decision.
Remember that factors other than Illinois law may affect what kind of policy you end up with. Owners of vehicles still under financing may need to choose policies that include "full" or "comprehensive and collision" coverage. These policies include not just the minimum Illinois auto insurance requirements, but also coverage for damage to the car from accidents, animals, fire, flood and vandalism.
In addition to the level of coverage you choose, your insurance rates may change according to your age, sex, marital status and driving record. Drivers might also end up paying more if they have bad credit records, even if they've always paid their insurance premiums on time. The state of Illinois allows insurance companies to look at credit ratings to determine rates and approvals.
Motorists looking for a cheaper Illinois auto insurance quote can also take advantage of discounts. The Illinois Department of Insurance suggests installing anti-theft precautions in your car and notifying your insurer of any safety devices in the vehicle. Ask about discounts for students away from home who don't take their car with them, low annual driving mileage deals and discounts for car owners who insure their home or multiple vehicles with the same company.
Drivers who can't get approved for any insurance policy at all, usually due to a poor driving record, can apply for the Illinois Automobile Insurance Plan. This plan provides insurance coverage for drivers who would normally be considered too high a risk. Premiums can be higher than for ordinary insurance coverage, but they allow high-risk drivers to stay legally insured and on the road.
No matter who you are, if you drive in Illinois, you need auto insurance. Find out what you can expect out of your Illinois auto insurance quote and learn how you can reduce your payments before you sign up for a policy. Shopping smart can lead to significant insurance savings over time.
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