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Illinois Auto Insurance

Driving may see m like a safe activity, but it's actually rather risky. Most people manage to get through the driving they need to do each day without incident. However, every year millions of Americans are involved in auto accidents. Since driving is an inherently dangerous activity, the state of Illinois requires that drivers protect themselves and others by purchasing auto insurance. If you cause an auto accident, you are responsible for the damages, even if the accident was unintentional on your part. Here's how auto insurance protects you: in exchange for paying a set fee each month, your auto insurance company agrees to pay for any damages that you cause in an auto accident, up to the limits of your auto policy. You can also purchase coverages that will cover some of your damages if you get in accident.

 

Auto Insurance Agents 

Need to find an auto insurance agent in your area? Read more...

 

Comparing Companies 

Since different companies take different factors into consideration when they determine your premium, it's important to shop around. Your goal is to find the Illinois auto insurance company whose rating system gives you the best deal. There a couple of different ways to compare prices. If you like shopping online, there are many websites that will take your information and generate quotes for you. If you prefer a more personal touch, you can contact an independent agent or broker. Just make sure you use someone who works with many different Illinois auto insurance companies and can shop around to find you the best rate possible. Read more...

 

Insurance Discounts 

Increased coverage costs more money, but you can reduce your premium by making sure that your insurer is giving you all the discounts you are qualified for. Did you know that many companies give discounts to customers that own their own homes? It's true! According to insurance company statistics, people that own their own homes are less likely to be in an auto accident, so insurance companies will often take a little bit off of your premium if you are a homeowner. Read more...

 

Insurance Requirements 

Under state law, you must purchase an Illinois auto insurance policy for any vehicle that you drive. The state can verify that you have insurance if you get stopped and an officer requests your insurance card, or you may be requested to provide your insurance information as part of Illinois' random insurance verification program. In this program, the state mails out insurance questionnaires to licensed drivers chosen at random. You must respond to the questionnaire by providing your insurance information to the state. Read more...

 

Levels of Auto Insurance 

Fortunately, it is possible to buy higher limits of coverage from Illinois auto insurance companies. For example, you can buy higher limits of bodily injury and property damage liability. Read more...

 

Risks of Not Having Auto Insurance 

Driving without Illinois auto insurance is not smart. By doing so, you risk being held liable for any damages you cause while you are behind the wheel of an uninsured vehicle. Can you afford to pay for someone else's hospital stay and rehabilitation all by yourself? Can you afford to buy the other party a new car?  If you can't, then you obviously need insurance. If you cause an accident, you could end up paying those debts off for the rest of your life. If you can, then obviously you can also afford an Illinois auto insurance policy, which will help protect your assets. Read more...

 

Illinois Motorcycle Insurance 

In Illinois, motorcycle riders are required to carry insurance for their bikes, just like drivers of cars are. The minimum legal limits and coverages are the same for motorcycles as they are for automobiles: BI limits of 20,000/person and $40,000/accident, and PD at $15,000/accident. Read more...

 

Types of Coverage 

When you buy an insurance policy, it's important to understand what's included in the contract, as well as what's not included. Unfortunately, insurance contracts use unique vocabulary, and for many people, they are almost as easy to read as ancient Egyptian hieroglyphics. This guide will assist you in deciphering your insurance contract by explaining the different coverages available in Illinois. Read more...

 

What Affects Insurance Rates?

Your premium is calculated based on a variety of different factors, including the location where your vehicles are garaged, your age, gender and marital status, and of course your driving record. For most insurance companies, the number of tickets, accidents and driving points on your driving record is the single most important factor in determining how much you pay for your Illinois auto insurance policy. Just one Illinois speeding ticket can drastically increase your premium at the next renewal. Read more...

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