- Individual Bodily Injury Liability: $20,000
- Total Bodily Injury Liability: $40,000
- Property Damage Liability: $15,000
Are you on a mission to find cheap Illinois car insurance? Every time you open your car insurance bill, have your rates gone up for no apparent reason? As a vehicle owner in the state of Illinois, you are required by state law to carry auto insurance for the entire registration period. Fulfilling your obligations as a vehicle owner does not have to present a financial hardship, but you do need to put in the effort and price the cost of auto insurance in IL from several different insurers. Stop putting off price shopping and find lower rates by entering your zip code in the field at the top of the page. Here is your straightforward guide on IL auto insurance so that you understand what you are buying before you select a policy.
Illinois Car Insurance Requirements and Coverage Options
The auto insurance coverage requirements vary from state to state, and knowing the required limits in Illinois as a resident of the state is imperative. The state of Illinois takes enforcement of insurance laws very seriously, and the penalties for driving without insurance can be costly and severe. If you are pulled over by an officer, or you receive a random questionnaire asking that you provide your insurance information, you could face suspensions and fines between $500 and $1000. To avoid all of this, you must carry the following limits at a minimum:
- Bodily Injury Liability: $20,000 per person/$40,000 per accident
- Property Damage Liability: $15,000 per accident
Liability insurance is designed to protect other drivers if you cause injuries or any type of property damage in an at-fault accident. These coverages will not provide you with any type of assistance if your vehicle is damaged or you are injured. There are, however, optional coverages that you can purchase for protection. Optional coverages in the state of Illinois include: uninsured motorist, uninsured motorist property damage, comprehensive, collision, medical payments and roadside assistance. It is in your best interest to build a policy with a adequate cover rather than just buying cheap car insurance in IL that does nothing more than satisfy the law.
Tips on Saving Money when Buying Illinois Auto Insurance
If you are buying insurance on a limited budget, you might think that your only option is to purchase a basic insurance policy, but there are other ways to save. Avoid sacrificing your protection for affordability, and keep these tips in mind which you are requesting your Illinois auto insurance quotes:
- Compare insurance rates from several leading insurance companies to see which company offers the best premiums.
- Tell your agent if you have an anti-theft device or other vehicle safety features for savings.
- Take a traffic school course to erase moving violation surcharges.
- Purchase your property insurance from the same company for a multi-line discount that saves you off of each policy.
Now is the time to use the rate comparison tool so that you can locate the cheapest insurance policy from the comforts of your home. Get your declarations page, gather your information, and start pricing the cost of coverage. Once you adjust limits and price different options, purchase a policy that provides protection and still saves you premium dollars.