How much Illinois car insurance is required? Illinois requires drivers to have a fairly decent amount of liability insurance coverage to be legal to drive.
Illinois also requires uninsured motorist coverage, which protects drivers from being hit by people who drive without insurance. Imagine not having this coverage and having to use your own insurance to repair damages to your car. Your rates will generally go up, whereas with uninsured motorist claims the rates will stay the same.
According to Illinois state law, drivers must carry a minimum liability coverage that includes:
- $15,000 in property damage coverage
- $20,000 in bodily injury per person
- $40,000 in bodily injury per accident
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Illinois Car Insurance Providers
There are dozens of different car insurance companies in Illinois. Of these, you can pick and choose which ones you want to work with. Consider the top 5 companies in the U.S., who all offer coverage in the state of Illinois. These companies, in order, are:
- Progressive
- Nationwide
- Geico
- Travelers
- Allstate
Of course, with 196 insurance companies and a majority of them that sell property and casualty (home and auto) insurance, you will have plenty of different companies to consider. Choosing a provider comes down to comparing a few different elements, including:
- Rates and coverage (what you get for the money)
- Customer service
- Claims handling
- Reputation
- Your comfort or feeling of trust
It sounds silly to look at the facts and then consider how a company makes you feel, but it does matter. If you have a great rate on insurance from a top company, but you don’t feel like you can trust or rely upon them, you’re not going to get the service that you deserve.
Illinois Car Insurance Tips
- Ask for discounts. Almost every company has some type of discount program and you need to ask them about it and whether you qualify.
- Comparison shop. A good rule is to get 3-5 quotes so that you can compare your options and find the best policy. Of course, you can compare more if you’d like.
- Never settle. You might think ‘oh this is affordable’, but you might be missing out on another better deal if you don’t shop around.
- ASK questions. Too many people just buy insurance without asking questions. Do research so you know what to ask, and then ask so that you know what’s going on.
Illinois Car Insurance Discounts
Discounts available to Illinois drivers vary by company, but include a variety of different types of savings. You might find savings for:
- Safe driving
- Good students
- Multiple cars or policies with one company
- Vehicle safety features
- Customer loyalty
- Age or years of driving experience
Check out ALL the discounts that you can find and see which ones you are eligible for. After all, if you can get discounts, you can often get better coverage in the long run. Instead of saving money on state minimum coverage, you could upgrade to higher coverage limits for the same price. Think about this carefully, because you should never sacrifice coverage just to save money.
If you don’t get adequate coverage, the chances are good that you will end up spending more after an accident than you ever would on insurance payments had you gotten better protection. Make sure that you do what is in your best interest, because that is what matters in the end.
Illinois Car Insurance Quotes Online
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