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A Guide to Auto Insurance in Illinois (IL)Residents who live in the state of Illinois are required by law to carry minimal coverage's on their vehicles. State minimums are essential, especially if you're pulled over by law enforcement. Proof of auto insurance should be carried on you at all times. If not then it's possible that you will have to go to court in order to show proof. This means possible fines and court fees will ensue. It definitely doesn't sound like fun does it? Well, this is just for starters because things can get worse. If you're in an auto accident in Illinois and don't have insurance there could be more consequences to come. Take a look below and find out what can happen if you don't have Illinois auto insurance: * You automatically get a 3 month license suspension If by chance you are already under suspension and get pulled over during this timeline, there will be another six months added to your suspension. There is also a possibility of jail time to serve as a "wake-up call." So what is the mandatory auto insurance coverage in the state of Illinois? Well, while we always recommend getting the best Illinois auto insurance you can find; here are the state's requirements if you're looking for the least amount possible: * $20,000 injury or death of one person in an accident The latter two requirements above are for underinsured/uninsured motorist coverage. It is possible for someone else to be at-fault and not have any type of Illinois auto insurance. Then again they might only have the state minimums, which don't cover your medical bills and damages. If this is the case then you must take them to court in order to receive compensation. Do you want to take the other party to court? Do you feel like spending the money on an attorney? Probably not, especially since the money spent on him or her could have been used to get the mandatory insurance plan. There are plenty of other options available when it comes to Illinois auto insurance. If you're worried about the cost of adding certain pieces to your plan, it's important to understand what will come out of pocket if an accident occurs and you do not have coverage or only the state minimums. Don't be afraid to call up your insurance agent and ask questions. It could wind up keeping you out of trouble. If you're looking for ways to save money on your plan then think about the common sense stuff like; raising the deductible or adding a security device. Illinois auto insurance companies love to hear about security alarms, boots, wheel-locks, or anything else you utilize to keep your vehicle safe. Your age, background, credit report, claims history, and several other factors will come into play. The best thing to do is find a reputable company who will do everything in their power to help you save money and find a quality plan. If you can afford raising some of the areas above on your plan we highly recommend. This way if something unfortunate occurs you will be completely covered.
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