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When looking into auto insurance, the best advice you could probably receive is to check different companies and get competitive quotes. Also, do the research and find out what the state of Illinois requires of it’s drivers.  You will then know you are getting the insurance coverage you need, at a price you can afford. You can get 5 free quotes online and get the best discount auto insurance in Illinois right now!

Liability, Uninsured Motorist and Underinsured Motorist

Illinois state law requires drivers to obtain auto insurance in order to operate a vehicle in Illinois.  This auto insurance must have 3 forms of coverage:  Liability, Uninsured Motorist and Underinsured Motorist.   

Liability covers both bodily injury and property damage that occur as a result of an accident that your are at fault for.  The minimum cover for bodily injury is $20,000 per person, per accident and a total of $40,000 per accident.  Property damage cover is at least $15,000 per accident.  Property damage as a result of an accident could include damage to a building, fence, or road sign.

Uninsured Motorist insurance covers you if you are involved in a hit and run accident and you are hurt.  Or, when you are involved in an auto accident and the person who hit you is both at fault and has no insurance.  The minimum coverage required by law is $20,00 per person and $40,000 per accident.

Underinsured Motorist coverage pay the difference between your uninsured motorist coverage and the at-fault driver’s liability coverage.  This is required only when you buy higher limits of uninsured motorist coverage.

Physical Damage is another type of insurance you may want or your insurance company may require.  This pays for damage to your car as a result of an accident, minus your deductible.  Collision coverage pays for damage to your car as a result of hitting another vehicle or fixed object such as a telephone pole, or being hit by another car.  Comprehensive coverage pays for damage to your car any other cause other than an accident; such as hail, fire, or theft.

Keep in mind that state minimum requirements are just that, minimum. So if you live in one of the major cities in Illinois, such as Chicago, Aurora, Rockford, Joilet,  Naperville, Springfield, Peoria, Elgin or Champaign you may want to consider certain levels of auto insurance coverage depending on where you live and the local crime rate.  It is always a good idea to consider buying higher limits of car insurance than those mandated by state law. Otherwise your coverage my be insufficient to cover the complete value of your car, pay for medical bills incurred as the result of an accident, or protect you fully from lawsuits.

After reading this article, you can make sure that you can get the best coverage and with as little risk as possible.  Look at several insurance companies for the best rates for all of your car insurance needs. Each company should be more than willing to try to accommodate your wants, at a competitive rate.

You should also try our free quote service.  You are one simple click away from getting the best discount auto insurance in Illinois.