Illinois auto insurance rates vary greatly. And comparing different insurance companies' and agents' offerings is an important part of finding affordable Illinois auto insurance.
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Illinois law requires all automobile owners to acquire certain minimum amounts of auto insurance. Required coverages encompassed within state law include liability, which pays for injuries you cause to another person, or property damage you cause through negligent driving; uninsured motorist, which covers your own bodily injury when involved in a hit-and-run accident, or when hit by a driver who is at fault but holds no insurance; and underinsured motorist, which pays the difference between your uninsured motorist coverage and the at-fault driver's liability coverage.
To help you understand these coverages further, liability includes bodily injury coverage of $20,000 per person per accident and $40,000 per accident, as well as property damage of at least $15,000 per accident. The law requires uninsured motorist coverage of $20,000 per person and $40,000 per accident. Underinsured motorist coverage is required only when you purchase higher limits of uninsured motorist insurance.
Consider buying higher limits of Illinois auto insurance than those mandated by state law to fully protect yourself. State minimums may not be sufficient to cover the complete value of your car, provide adequate finances for medical bills incurred as the result of an accident, or protect you from lawsuits.
You may also need physical damage coverage. This pays for damage to your auto, minus your deductible, in case of an accident, and includes both collision and comprehensive. The collision portion pays for damage incurred if you're involved in an accident with another automobile or fixed object, whereas comprehensive pays for damages due to other causes, such as hail, fire or theft. Talk to a knowledgeable Illinois auto insurance agent to determine if you need physical damage coverage for your automobile.
Factors Affecting Your Premium
Pricing amongst Illinois auto insurance companies varies greatly. Premiums are, however, based upon certain determinable factors and characteristics. Some of these are:
Some Illinois auto insurance companies offer consumers discounts based on driving habits, past payment history, and other factors lowering their claim risk. Some discounts that may be available include those for multiple policies, defensive drivers, low mileage, safety or anti-theft devices, car pools, and mature drivers. Knowledgeable Illinois auto insurance agents or companies can tell you which of these discounts they offer and how much that discount will lower your premium.
If You Can't Find Auto Insurance
The Illinois Automobile Insurance Plan enables drivers with poor driving records, or those who own certain types of autos uninsurable through normal insurance markets, to qualify for Illinois auto insurance. Applicants for this plan must have been turned down for auto insurance by other insurance companies; must have a valid driver's license or be eligible for one; must not be delinquent on any previous auto insurance premiums; and must drive a vehicle which is safe to operate.
Premiums under this plan may be higher than those falling under other "normal" insurance coverages. However, maintaining a good driving record while on the plan will eventually authorize you to return to a standard insurance company and plan.
Illinois auto insurance doesn't have to be out of reach. InsureMe has connections with many of Illinois' top insurers, so some of the most competitive auto insurance quotes are right here at our fingertips. Let us contact them for you, and we'll give you up to five free Illinois auto insurance quotes.
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