Car Insurance in Illinois

Auto Insurance is required in Illinois and affordable car insurance is available from Illinois Insurance Center. We provide Car Insurance quotes from our offices across Chicago and we shop leading Auto Insurance carriers for your Lowest Auto Insurance Rate and Best Car Insurance coverage.

Auto Insurance Is Required in Illinois

The state of Illinois requires all drivers to carry minimum car insurance in order to drive or own a vehicle. We offer the following mandatory types of insurance:

Bodily injury coverage of up to $25,000 per person or $50,000 per incident
Property damage coverage up to $25,000 per incident
Uninsured motorist coverage up to $25,000 per person or $50,000 per incident

No matter what kind of car insurance you choose, it will at least include these three minimum things.

You also have the option to add supplemental coverage options. Also, if you finance a vehicle, the lender may require you to purchase additional insurance beyond the required minimums. Illinois Insurance Center also offers insurance coverage such as:

Collision coverage that can help pay for repairs after an accident
Comprehensive coverage that pays for non-accident problems such as fire, theft, or vandalism
Rental and towing insurance to help you out if your vehicle breaks down
Medical

Free Auto Insurance Quote!

Shopping for Car Insurance in Illinois

Here are some key factors to consider when shopping for car insurance:

Insurance Coverage Types:

Liability Coverage: This is usually required by law and covers bodily injury and property damage that you may cause to others in an accident
Collision Coverage: Pays for damage to your car in the event of a collision with another vehicle or object
Comprehensive Coverage: Covers non-collision events such as theft, vandalism, natural disasters, or hitting an animal
Uninsured/Underinsured Motorist Coverage: Protects you if you are in an accident with a driver who doesn't have insurance or doesn't have enough coverage

Insurance Deductibles:

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. A higher deductible often means lower premiums, but make sure it's an amount you can afford to pay in case of a claim.

Premium Costs:

Compare quotes from multiple insurance providers. Illinois Insurance Center shops multiple insurance companies for your best value. Keep in mind that the cheapest option may not provide the best coverage and the best insurance coverage may not be the cheapest insurance plan. Your trusted insurance agent will provide guidance based on your insurance needs.

Insurance Discounts:

Inquire about discounts you may qualify for, such as multi-car discounts, good driver discounts, safe driver discounts, bundling discounts (if you also have home or renters insurance with the same company), and more.

Customer Service:

Research the customer service reputation of the insurance company. How are their reviews? Does the company have a history of providing stellar service? Illinois Insurance Center has 50 years of providing exemplary customer service to insurance customers across Illinois.

Claims Process:

Understand the claims process of the insurance company. A smooth and efficient claims process is crucial in times of need.

Coverage Limits:

Ensure that the coverage limits meet your needs. Consider the value of your assets and how much coverage you would need in the event of a serious accident.

Policy Exclusions:

Be aware of any exclusions in the policy. Certain situations or types of damage may not be covered.

Financial Stability of the Insurance Company:

Check the financial strength rating of the insurance company. You want a company that can financially handle claims, especially in the case of a widespread disaster.

Review Your Policy Annually:

Your insurance needs may change over time, so it's a good practice to review your policy annually and make adjustments as necessary.

Driving Habits:

Some insurance companies offer usage-based programs that can result in discounts if you exhibit safe driving habits. Consider if this is something you'd be interested in.

Remember that the best insurance policy for you depends on your individual needs and circumstances. Call Illinois Insurance Center or get a Free Auto Insurance Quote Online and we’ll do the car insurance shopping for you!

The professionals at Illinois Insurance Center will provide a variety of car insurance quotes so that you can choose the one that meets your needs and budget. For example, if you have enough disposable income to tow your car and rent another if you need it, you may not need rental and towing insurance.
To learn more about your car insurance options in the Chicago area, contact Illinois Insurance Center for a car insurance quote. You can call us in Chicago at (773) 831-3692 or in the surrounding suburbs at (708) 580 7146.