Need Illinois Auto Insurance Quotes?

Purchasing auto insurance in Illinois is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of auto insurance that you choose to purchase. Regulations regarding auto insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Illinois auto insurance.

Any driver who would like to operate a vehicle in the state of Illinois needs to have a liability insurance that includes bodily injury liability coverage, property damage liability coverage and (unlike many other states) uninsured motorist protection. The last component will protect the drivers in a case of a hit-and-run accident or when the other driver (at fault) doesn’t have any insurance. Illinois Division of Insurance can provide more detailed information on this topic.

The regulations of the state of Illinois require the liability insurance to provide $20,000 coverage for bodily injury for any one person, $40,000 coverage for bodily injury for all persons injured and $15,000 coverage for property damage.

Insurance verification should be presented during the car registration process and should always be kept inside the car. Refusal to comply with the last requirement can result in a $500 fine and a registration suspension for 60 days. First offence cases usually result in a lower penalty.

According to the National Association of Insurance Commissioners, the Illinois car insurance average expenditure of $760.98 is close to the median expenses in the nation. Those drivers who do not qualify for any commercial insurance plans or have bad driving record can apply for the Illinois Automobile Insurance Plan.

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