In Illinois, all vehicle owners must carry car insurance that includes both liability insurance, to cover injuries and property damage you may cause to others, and uninsured motorist insurance, to cover your own injuries and property damage if you are hit by an uninsured or underinsured driver. All other coverage is optional. If you are caught driving without insurance in this state, you may be fined up to $4,500 and have your driver's license suspended for up to four months.
Vehicle owners in Illinois pay an average of $1,079 a year for their car insurance coverage. This is significantly lower than the national average rate of $1,311. Your actual costs will be based on several factors such as the make, model, and year of your car and information about you like your driving record, age, occupation, and credit score. Every insurance company uses its own method for calculating costs, so comparing a variety of quotes lets you be sure that you are getting your coverage at a competitive price. Independent insurance agents make comparison shopping easy.
I needed to find a more reliable insurance company for my vehicle, so I decided to go online to shop around. I was pointed in the direction of trustedchoice.com. I had heard of them before, but was unsure about going with an independent insurance agent. I decided to call, and surprisingly had all of my problems answered immediately. They did all of the research for me, and for a good price.Marvin of Rockford, IL Consumer Affairs
Here in the Land of Lincoln, all car insurance policies are required by law to include liability insurance and uninsured motorist coverage. Collision and comprehensive coverage are not required by the state, but are typically required by lenders until your car is paid in full. You can expect your insurance company to offer the following mixture of required and optional coverage:
If you currently owe more for your vehicle than it is worth, be sure to talk to your insurance agent about gap insurance. This coverage can provide an added layer of protection in the event that your vehicle is totaled.
There are currently 1,184 independent insurance agencies Illinois that are ready to help. These local agents are free to work with several different insurance companies, so they can help you compare customized auto insurance quotes from a selection of highly rated providers. Let an independent insurance agent in Illinois help you find the best car insurance policy to meet your family's coverage and budgetary needs.