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 Viewssort
102 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17226
101 North Carolina Car Insurance youcomparequotes 14144
100 Vermont Car Insurance youcomparequotes 13011
99 Washington, D.C. Car Insurance youcomparequotes 11914
98 Florida Car Insurance Quotes youcomparequotes 11672
97 Alaska Auto Insurance youcomparequotes 11532
96 Washington Car Insurance Quotes youcomparequotes 11435
95 Pennsylvania Auto Insurance Quotes youcomparequotes 11372
94 West Virginia Car Insurance youcomparequotes 11325
93 New York Auto Insurance Quotes youcomparequotes 11293
92 Maryland Auto Insurance youcomparequotes 11235
91 Maryland Car Insurance youcomparequotes 11217
90 New Hampshire Car Insurance youcomparequotes 11216
89 Nebraska Auto Insurance youcomparequotes 11190
88 Louisiana Car Insurance youcomparequotes 11168
87 North Carolina Auto Insurance youcomparequotes 11137
86 Minnesota Auto Insurance Quotes and Information youcomparequotes 11116
85 Washington Auto Insurance Quotes youcomparequotes 11103
84 California Auto Insurance Quotes youcomparequotes 11073
83 Oregon Car Insurance Quotes youcomparequotes 11049
82 Massachusetts Auto Insurance Reform youcomparequotes 11026
81 Minnesota Car Insurance Quotes youcomparequotes 11020
80 Arizona Auto Insurance youcomparequotes 11001
79 Tennessee Auto Insurance youcomparequotes 10978
78 Washington, D.C. Auto Insurance youcomparequotes 10956
77 Georgia Auto Insurance Quotes youcomparequotes 10936
76 California Car Insurance Quotes youcomparequotes 10935
75 Maine Auto Insurance youcomparequotes 10900
74 Pennsylvania Car Insurance Quotes youcomparequotes 10893
73 Mississippi Car Insurance youcomparequotes 10883
72 North Dakota Auto Insurance youcomparequotes 10856
71 New Hampshire Auto Insurance youcomparequotes 10845
70 South Carolina Car Insurance youcomparequotes 10837
69 Hawaii Auto Insurance youcomparequotes 10822
68 Wyoming Car Insurance youcomparequotes 10804
67 Virginia Auto Insurance Quotes youcomparequotes 10782
66 Virginia Car Insurance youcomparequotes 10764
65 Texas Car Insurance Quotes youcomparequotes 10756
64 Texas Auto Insurance Quotes youcomparequotes 10755
63 Oklahoma Car Insurance youcomparequotes 10750
62 Alabama Auto Insurance youcomparequotes 10749
61 Hawaii Car Insurance youcomparequotes 10735
60 Alaska Car Insurance youcomparequotes 10726
59 South Carolina Auto Insurance youcomparequotes 10714
58 Utah Car Insurance youcomparequotes 10712
57 Oklahoma Auto Insurance youcomparequotes 10712
56 Oregon Auto Insurance Quotes youcomparequotes 10704
55 Wyoming Auto Insurance youcomparequotes 10701
54 Mississippi Auto Insurance youcomparequotes 10694
53 South Dakota Car Insurance youcomparequotes 10643
52 Delaware Car Insurance youcomparequotes 10635
51 Kansas Auto Insurance youcomparequotes 10619
50 Arkansas Auto Insurance youcomparequotes 10613
49 Kentucky Car Insurance youcomparequotes 10608
48 Nevada Auto Insurance youcomparequotes 10588
47 Missouri Car Insurance youcomparequotes 10575
46 Arizona Car Insurance Quotes youcomparequotes 10568
45 Rhode Island Auto Insurance youcomparequotes 10564
44 Nevada Car Insurance youcomparequotes 10555
43 Louisiana Auto Insurance youcomparequotes 10548
42 Utah Auto Insurance youcomparequotes 10525
41 Delaware Auto Insurance youcomparequotes 10512
40 Iowa Auto Insurance youcomparequotes 10483
39 Missouri Auto Insurance youcomparequotes 10473
38 Iowa Car Insurance youcomparequotes 10473
37 North Dakota Car Insurance youcomparequotes 10460
36 Indiana Car Insurance youcomparequotes 10451
35 Colorado Car Insurance Quotes youcomparequotes 10441
34 Ohio Car Insurance Quotes youcomparequotes 10439
» Illinois Car Insurance youcomparequotes 10433
32 Connecticut Car Insurance youcomparequotes 10429
31 Montana Auto Insurance youcomparequotes 10417
30 Indiana Auto Insurance youcomparequotes 10416
29 Wisconsin Auto Insurance youcomparequotes 10406
28 Idaho Auto Insurance youcomparequotes 10388
27 Ohio Auto Insurance Quotes youcomparequotes 10379
26 Arkansas Car Insurance youcomparequotes 10379
25 New York Car Insurance Quotes youcomparequotes 10377
24 Florida Auto Insurance Quotes youcomparequotes 10376
23 Kentucky Auto Insurance youcomparequotes 10360
22 Find Maine Car Insurance youcomparequotes 10344
21 Tennessee Car Insurance youcomparequotes 10336
20 New Jersey Auto Insurance youcomparequotes 10321
19 Wisconsin Car Insurance youcomparequotes 10320
18 Idaho Car Insurance youcomparequotes 10302
17 West Virgina Auto Insurance youcomparequotes 10269
16 Montana Car Insurance youcomparequotes 10259
15 Connecticut Auto Insurance youcomparequotes 10246
14 Nebraska Car Insurance youcomparequotes 10232
13 Alabama Car Insurance youcomparequotes 10222
12 Michigan Car Insurance youcomparequotes 10209
11 Rhode Island Car Insurance youcomparequotes 10191
10 Kansas Car Insurance youcomparequotes 10190
9 New Jersey Car Insurance youcomparequotes 10182
8 Illinois Auto Insurance youcomparequotes 10080
7 Vermont Auto Insurance youcomparequotes 10051
6 Georgia Car Insurance youcomparequotes 10041
5 Colorado Auto Insurance youcomparequotes 9993
4 New Mexico Auto Insurance youcomparequotes 9953
3 Michigan Auto Insurance youcomparequotes 9939
2 South Dakota Auto Insurance youcomparequotes 9918
1 New Mexico Car Insurance youcomparequotes 9834
XE Login