Illinois Car Insurance Policy
In your search for auto insurance, you will need to understand your options when it comes to the Illinois car insurance policy that is right for you. There are many different types of coverages to fit those with different circumstances. By using our FREE car insurance quote tool, you can tailor a policy to your needs and get quotes based upon that policy from multiple and reputable auto insurance providers, hassle-free and in a matter of minutes.
What Are The Minimum Requirements for Illinois?
In the state of Illinois, the minimum requirements for auto insurance in order to drive are 20/40/15. You will also need uninsured/underinsured motorist insurance of $20,000 bodily injury liability per person and up to $40,000 bodily injury liability per accident. These are the minimum requirements to cover your liability in case you are the one found to be at fault in an accident.
What Are The Other Coverage Options?
You have other coverage options depending upon how much risk you want to assume upon yourself, how much coverage you want on your vehicle, and whether or not you are still financing your car.
Increased Liability Limits:
You can increase the minimum requirement limits in order to further protect yourself against liability. There are many instances in which one's liability in an accident has exceeded the 20/40/15 minimum coverage.
Collision Coverage:
This protects your own vehicle in case of an accident. With liability insurance your only coverage is for the other party. However, with collision coverage, your own insurance provider will also pay to have your vehicle repaired.
Comprehensive Coverage:
This type of coverage protects you from damage to your vehicle caused by things such as vandalism, fire, wind, hail, and extends to almost anything that causes damage to your car that is not included in your collision policy.
If you have a car that is being financed, your lending institution will normally require you to have both collision coverage and comprehensive coverage.
Personal Injury Protection (PIP):
This is insurance that you can get through your auto insurance provider that acts like health insurance. It covers reasonable and necessary medical expenses in case of injury and can sometimes supplement your existing health insurance.
Within each of these general types of coverage there are different limits and options available. Our Free car insurance quote tool will help as you choose your auto insurance provider and your auto insurance policy. Make sure to notice how these things affect your quote and decide what coverages are best suited to your car insurance needs and your budget.
Compare Illinois Car Insurance Policies Now!
Now is the time to get your quote. Use our free quote tool to start comparing Illinois auto insurance policies side by side!