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Illinois auto insurance laws
Illinois is a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. Illinois auto insurance laws require liability insurance to help fulfill this responsibility.
Illinois auto insurance laws require minimum liability limits of 20/40/15. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $15,000 for damage you cause to the other party's property.)
Illinois auto insurance laws also require that you purchase uninsured motorist bodily injury coverage of at least 20/40 ($20,000 for injuries per person, up to $40,000 total). This policy helps pay your expenses in case you should be struck by a driver with inadequate liability coverage.
You may choose to purchase a higher level of uninsured motorist bodily injury coverage. If you do,then underinsured motorist bodily injury coverage is required as well. This coverage pays the difference between the other driver's liability limits and your underinsured motorist limits (when your limits are higher).
Carrying more than the state minimum coverage amounts for each of these policies is strongly recommended.
Illinois auto insurance companies will also offer optional coverages such as medical payments, accidental death benefit, collision, and comprehensive.
Sidebar If you are an Illinois resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.
For better or for worse, the price of Illinois auto insurance is decided by the behavior of the state's drivers as a whole. Illinois auto insurance companies take the cost of providing insurance for Illinois drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.
But the cost isn't spread around evenly. Instead, Illinois car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.
Of course, not all insurance companies use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote youdifferent rates.
What this means for you, as an Illinois driver, is that you need to shop around. It's the fastest easiest way to save on an Illinois auto insurance policy.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.