Affordable Car Insurance Auto Insurance in Illinois - Compare Rates




Drivers of the land of Lincoln, you should know that Illinois law requires you to have minimum amounts of auto liability insurance.


Bodily Injury Liability: $20,000/$40,000 Limit

It means $20,000 per injured person up to a total of $40,000 per accident. The State follows a tort system and so the driver who is at-fault is held liable for the damages. So this coverage will pay for any injury caused to the victim (if you are at-fault).

It includes:
>> Medical expenses
>> Wage loss, and
>> Pain

Property Damage Liability: $15,000 Limit

This will pay for the damages caused to the property of the victim.

Uninsured Motorist Bodily Injury: $20,000/$40,000 Limit

This coverage is useful if you are involved in an accident with an uninsured or underinsured driver, who is not in a position to pay for the damages (caused by him).

This basic coverage is often referred to as 20/40/15 coverage with 20/40 UM limits.

Other than this you can also have additional coverages under:

Physical Damage

This coverage pays for any damage to your own car.
>> Collision Coverage - Pays for damage caused by an accident/collision with another car or any other stationary object.
>> Comprehensive Coverage - Pays for damage caused from most other causes (other than a collision with another car), such as theft, fire, natural disasters, etc.

It is necessary that you carry your insurance card in your vehicle and show it upon request by any law enforcement officer. If you are not able to show proof of insurance you are risking your driving privileges and plus the reinstatement fees can be as high as $100. So it's is better to keep it with you all the time.

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To lower your premiums, you must understand that the premiums are based on your
>> Age - Generally drivers under 25 are considered risky whereas drivers over 55 are sometimes given seniors' discount.
>> Driving Record - A clean driving record implies that you are less risky as a driver; this can lower your premium rate.
>> Credit History - It can show that whether you will be able to pay for future premiums or not.

When you shop, ask for discounts. It can reduce your premium rates. Also if you can pay higher deductibles ,it's a good option of lowering your premium .But keep in mind that you will have to pay the deductible amount in case of an accident, and your insurer wont entertain you up to that amount.

If you cannot find auto insurance through normal insurance markets because of several reasons, then you can take advantage of Illinois Automobile Insurance Plan.

To qualify for auto insurance through the Plan, you must meet the following requirements:
>> You are not able to get insurance from other insurance companies.
>> You must have a valid driver's license or are eligible to apply for one.
>> You must not owe an outstanding premium during the past 36 months.

The premiums are generally higher but in due course of time, if you maintain a good driving record while in the Plan, you will be able to get insurance from the normal insurance market.

Now that you know the insurance requirements of the State, go online, ask for quotes from several companies and decide on which company suits you the best. Sensible shopping!!!

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