Enter your ZIP code:

Illinois Car Insurance

Choosing the right Illinois car insurance company can be a critical decision. Car insurance protects you from such financial losses as car repairs, medical bills and legal services that result when you are involved in an accident.

 

That's why, since 1993, InsureMe has been helping Illinois car insurance buyers get the best coverage for the best possible price. With just a little information, we can put you in touch with some of the top Illinois car insurance companies who will compete for your business.

 

Whether you're looking for new car insurance or just comparison shopping against your current Illinois car insurance policy, InsureMe can help!


Illinois Car Insurance Information

Illinois law requires all car owners to acquire minimum amounts of Illinois car insurance in order to operate a vehicle within the state. Required coverages encompassed within state law include:

  • Liability-Pays for injuries you cause to another person, or property damage you cause through negligent driving. 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.
  • Uninsured Motorist-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. $20,000 per person and $40,000 per accident coverage is required by law.
  • Underinsured Motorist-Pays the difference between your uninsured motorist coverage and the at-fault driver's liability coverage. Required only when you purchase higher limits of uninsured motorist coverage.

It is always a good idea to consider buying higher limits of Illinois car insurance than those mandated by state law. 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 fully from lawsuits.

 

Other Coverage

One other type of Illinois car insurance coverage which may be required by your lender if you decide to finance your car is physical damage. This pays for damage to your car, 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 car or fixed object, whereas comprehensive pays for damages due to other causes, such as hail, fire or theft. Talk to a knowledgeable Illinois car insurance agent to determine if you need physical damage coverage for your car.

 

Helpful Shopping Tips

Shopping for Illinois car insurance can be a time-consuming process. But knowing what to look for and what to ask can make that search a much more efficient one.

 

Following are some tips to help you:

  • Find a reliable agent. Look for an agent who is licensed, reliable and helpful.
  • Shop carefully. Comparison shop between different agents and policies, obtaining several quotes.
  • Fill out your application completely and accurately. Misrepresentations and omissions are considered fraud, and can be prosecuted under Illinois state law.
  • Understand what you are buying. Ask for details and explanations of anything you don't understand. Do not sign anything until you understand the policy completely.
  • Do not accept high-pressure tactics. Report harassment by insurance companies or agents to the Illinois Division of Insurance.
  • Do not be misled by advertising. You are the only one who can determine if a particular insurance policy is the right one for you.

Lowering Your Car Insurance Costs

Acquiring Illinois car insurance coverage can be an expensive proposition. Getting the best coverage at the best price involves knowing and understanding the factors that drive insurance prices upward, and taking steps to ensure these factors do not affect your own premium.

Some of the ways to keep your Illinois car insurance premium low include inquiring about discounts, setting your deductible as high as possible, maintaining a good driving record, buying more than one type of policy with the same insurance company, choosing the vehicle you purchase carefully, and maintaining the best credit history possible.

 

Get More Information

If you would like more information about Illinois car insurance, contact the Illinois Division of Insurance's Consumer Assistance Hotline toll free at 866-445-5364, or visit their Web site at www.ins.state.il.us.


Now that you have the information you need to make the best Illinois car insurance purchasing decision possible, why not let us do the rest? Just fill out InsureMe's "Get a free quote" box now, and we'll send you up to five Illinois car insurance quotes with absolutely no obligation.

Get informed, do your research, and get affordable Illinois car insurance now!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10874
101 Wyoming Auto Insurance youcomparequotes 10772
100 Wisconsin Car Insurance youcomparequotes 10396
99 Wisconsin Auto Insurance youcomparequotes 10481
98 West Virginia Car Insurance youcomparequotes 11397
97 West Virgina Auto Insurance youcomparequotes 10344
96 Washington, D.C. Car Insurance youcomparequotes 11997
95 Washington, D.C. Auto Insurance youcomparequotes 11027
94 Washington Car Insurance Quotes youcomparequotes 11508
93 Washington Auto Insurance Quotes youcomparequotes 11172
92 Virginia Car Insurance youcomparequotes 10839
91 Virginia Auto Insurance Quotes youcomparequotes 10853
90 Vermont Car Insurance youcomparequotes 13085
89 Vermont Auto Insurance youcomparequotes 10125
88 Utah Car Insurance youcomparequotes 10783
87 Utah Auto Insurance youcomparequotes 10591
86 Texas Car Insurance Quotes youcomparequotes 10813
85 Texas Auto Insurance Quotes youcomparequotes 10810
84 Tennessee Car Insurance youcomparequotes 10418
83 Tennessee Auto Insurance youcomparequotes 11001
82 South Dakota Car Insurance youcomparequotes 10663
81 South Dakota Auto Insurance youcomparequotes 9939
80 South Carolina Car Insurance youcomparequotes 10858
79 South Carolina Auto Insurance youcomparequotes 10735
78 Rhode Island Car Insurance youcomparequotes 10211
77 Rhode Island Auto Insurance youcomparequotes 10584
76 Pennsylvania Car Insurance Quotes youcomparequotes 10913
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11409
74 Oregon Car Insurance Quotes youcomparequotes 11069
73 Oregon Auto Insurance Quotes youcomparequotes 10724
72 Oklahoma Car Insurance youcomparequotes 10771
71 Oklahoma Auto Insurance youcomparequotes 10741
70 Ohio Car Insurance Quotes youcomparequotes 10472
69 Ohio Auto Insurance Quotes youcomparequotes 10399
68 North Dakota Car Insurance youcomparequotes 10480
67 North Dakota Auto Insurance youcomparequotes 10876
66 North Carolina Car Insurance youcomparequotes 14179
65 North Carolina Auto Insurance youcomparequotes 11163
64 New York Car Insurance Quotes youcomparequotes 10398
63 New York Auto Insurance Quotes youcomparequotes 11366
62 New Mexico Car Insurance youcomparequotes 9854
61 New Mexico Auto Insurance youcomparequotes 9973
60 New Jersey Car Insurance youcomparequotes 10202
59 New Jersey Auto Insurance youcomparequotes 10341
58 New Hampshire Car Insurance youcomparequotes 11251
57 New Hampshire Auto Insurance youcomparequotes 10866
56 Nevada Car Insurance youcomparequotes 10576
55 Nevada Auto Insurance youcomparequotes 10609
54 Nebraska Car Insurance youcomparequotes 10263
53 Nebraska Auto Insurance youcomparequotes 11231
52 Montana Car Insurance youcomparequotes 10288
51 Montana Auto Insurance youcomparequotes 10437
50 Missouri Car Insurance youcomparequotes 10595
49 Missouri Auto Insurance youcomparequotes 10493
48 Mississippi Car Insurance youcomparequotes 10905
47 Mississippi Auto Insurance youcomparequotes 10808
46 Minnesota Car Insurance Quotes youcomparequotes 11041
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11145
44 Michigan Car Insurance youcomparequotes 10229
43 Michigan Auto Insurance youcomparequotes 9959
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17264
41 Massachusetts Auto Insurance Reform youcomparequotes 11046
40 Maryland Car Insurance youcomparequotes 11250
39 Maryland Auto Insurance youcomparequotes 11267
38 Maine Auto Insurance youcomparequotes 10920
37 Louisiana Car Insurance youcomparequotes 11213
36 Louisiana Auto Insurance youcomparequotes 10568
35 Kentucky Car Insurance youcomparequotes 10669
34 Kentucky Auto Insurance youcomparequotes 10386
33 Kansas Car Insurance youcomparequotes 10210
32 Kansas Auto Insurance youcomparequotes 10640
31 Iowa Car Insurance youcomparequotes 10502
30 Iowa Auto Insurance youcomparequotes 10516
29 Indiana Car Insurance youcomparequotes 10472
28 Indiana Auto Insurance youcomparequotes 10437
» Illinois Car Insurance youcomparequotes 10454
26 Illinois Auto Insurance youcomparequotes 10100
25 Idaho Car Insurance youcomparequotes 10323
24 Idaho Auto Insurance youcomparequotes 10408
23 Hawaii Car Insurance youcomparequotes 10755
22 Hawaii Auto Insurance youcomparequotes 10842
21 Georgia Car Insurance youcomparequotes 10062
20 Georgia Auto Insurance Quotes youcomparequotes 10956
19 Florida Car Insurance Quotes youcomparequotes 12453
18 Florida Auto Insurance Quotes youcomparequotes 10397
17 Find Maine Car Insurance youcomparequotes 10364
16 Delaware Car Insurance youcomparequotes 10655
15 Delaware Auto Insurance youcomparequotes 10533
14 Connecticut Car Insurance youcomparequotes 10450
13 Connecticut Auto Insurance youcomparequotes 10274
12 Colorado Car Insurance Quotes youcomparequotes 10461
11 Colorado Auto Insurance youcomparequotes 10014
10 California Car Insurance Quotes youcomparequotes 10957
9 California Auto Insurance Quotes youcomparequotes 11098
8 Arkansas Car Insurance youcomparequotes 11143
7 Arkansas Auto Insurance youcomparequotes 10634
6 Arizona Car Insurance Quotes youcomparequotes 10588
5 Arizona Auto Insurance youcomparequotes 11023
4 Alaska Car Insurance youcomparequotes 10767
3 Alaska Auto Insurance youcomparequotes 11561
2 Alabama Car Insurance youcomparequotes 10242
1 Alabama Auto Insurance youcomparequotes 10757
XE Login