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The Keys to Illinois Auto Insurance
Marvel at the beauty of the Cloud Gate sculpture in Chicago. Explore Starved Rock State Park. Watch a home game of the Chicago Bulls. There’s a lot to see and do in Illinois – but you won’t get very far without a car, and that means you need car insurance. Get the best Illinois auto insurance.
Illinois Car Insurance Basics
Each state sets its own auto insurance requirements, and Illinois is no different. Under state law, you need a car insurance policy that meets the following standards for minimum liability coverage:
- $25,000 for death or injury of one person in an accident
- $50,000 for death or injury of multiple people in an accident
- $20,000 for property damage
If you ignore the law, be ready for some serious consequences. Drivers who get caught driving without insurance will receive a $500 minimum fee for a first offense. Even worse, their driver’s license can be suspended for three months. They’ll also have to pay a $100 reinstatement fee along with proof of insurance, and if they get caught driving during the suspension, they’ll face a $1,000 fine.
Don’t risk it. Maintain the required auto insurance. To keep yourself, your family and your assets safe, consider additional coverage options, such as comprehensive and collision insurance, as well.
How Much Does Car Insurance Cost in Illinois?
The cost of car insurance depends on a wide range of factors, which can include the following:
- Where you live. Some states have higher average rates than others, but where you live within a state also makes a difference.
- How often you drive. The more you drive, the more likely a crash becomes.
- Your age and gender. Younger drivers tend to be in more crashes, so they usually pay more for insurance.
- Your driving history, including accidents, moving violations and DUIs. These show that you’re a riskier driver to insure.
- The type of vehicle you’re insuring. Some vehicles cost more to insure.
Depending on your insurance company and where you live, other factors like your credit score can also be considered. To learn more, read How Much Is Car Insurance?
How to Get the Best Illinois Auto Insurance for Your Money
Everyone wants a good deal on auto insurance. To get the most out of your premium dollars, consider the following tips:
- Try to keep a clean driving record. Tickets, crashes and DUIs all increase your insurance rates. If you’ve had problems in the past, try to improve your driving skills so your rates will go down over time. See if taking a driving class could help you lower your rates.
- Ask about any insurance discounts you might be eligible for.
- Keep your car maintained. Worn tires, faulty brakes and other vehicle issues can contribute to crashes. Keep your car in good shape.
- Think about more than the monthly premium. Sure, you want to keep your premium low, but it’s not the only factor that matters. Lower premiums are often associated with higher deductibles, meaning you’ll have to pay more out of pocket if anything happens. Don’t go with a deductible you can’t afford.
- Consider additional coverage options. Liability insurance doesn’t cover everything, including your own medical bills, damage to your car, theft and natural disasters. Although you’ll have to pay more for optional coverage types, like comprehensive and collision insurance, you’ll have important protection if anything goes wrong.
Staying Safe and Prepared on Illinois Road Trips
There’s a lot to see in Illinois. Before you head out on a road trip, make sure your prepared.
- Keep emergency supplies in your car, including flashlights, emergency roadside flares, blankets, food, water, first aid supplies, a spare tire and tools.
- Have your documents, including your insurance card and your vehicle registration, handy in case there’s a problem. Also have a number for roadside assistance ready.
- Pay attention to the weather and road conditions. Check for road closures, construction, storms and other problems before you head out.
- Have your car checked by a mechanic before hitting the road. Have the oil changed if it’s time, and make sure the tires are in good shape.
Keep Illinois Auto Insurance Rates Low by Obeying the Rules of the Road
Driving laws can vary somewhat from state to state. For example, in Illinois, all drivers and passengers much wear a seat belt at all times, and drivers are not allowed to use hand-held cell phones. For more information about the driving rules in Illinois, read the Illinois 2018 Rules of the Road handbook.
Following your state’s traffic laws is a great way to avoid tickets and keep your car insurance rates low. It’s also important for staying safe and avoiding accidents.
Great Resources for Drivers in Illinois
Need help getting a driver’s license or registering your car? Or maybe you need to double check the rules of the road in Illinois. Check out these great resources for Illinois drivers:
- The Office of the Illinois Secretary of State handles drivers services including issuing driver’s licenses.
- You’ll find vehicle services, such as title and registration, at this page of the Office of Illinois Secretary of State.
- Learn more about Illinois auto insurance requirements and what to do after a crash.
- The Governors Highway Safety Association has a break down of driving rules in Illinois.
Why Is Jupiter the Best Car Insurance in Illinois?
Jupiter Auto insurance is dedicated to helping our customers and keep the roads safe for everyone. That’s why we offer the Jupiter Auto App. It’s a free app than anyone can offer – even if they’re not a Jupiter Auto customer. It comes with great tools like driving scores to help you improve your skills and geofencing to help parents keep track of their teen drivers.