You must have car insurance to drive in any state across the country. You must carry liability insurance but each state has its own minimum requirements. The liability insurance is there to protect you and the person or people you may be involved in an accident with. For Illinois auto insurance you must carry the following liability levels at a minimum:
- $25,000 to cover the injuries or death of an individual or pedestrian who isn’t a member of your household
- $50,000 to cover the injuries or death for all involved in the accident as long as they are not a part of your household
- $25,000 to cover any damages to the car of the other person involved in the accident as well as any other forms of property that may be damaged, such as utility poles, trees, fences, signs, or buildings.
You are also required to carry uninsured motorist bodily injury coverage with your Illinois auto insurance policy and underinsured motorist bodily injury coverage. This coverage is there to pay the expenses you may incur for bodily injuries that were the result of a driver who is at fault and has no insurance or a hit-and-run driver. You must also have $25,000 bodily injury limits for each person and $50,000 for the accident. If the driver has insurance but not enough, your underinsured motorist bodily injury coverage will pay the difference.
Now that you know what your policy must have to be able to drive in the state of Illinois, here are some ways to keep your costs of insurance low. Check with your insurance agent about any discounts that they offer. You may be surprised to know that you can save some money just by paying your entire premium at one time rather than breaking it down month by month.
If you have a good credit score you may be able to enjoy some extra savings. In some states it is against the law to use a person’s credit score to determine their insurance premiums. Bundling your insurance policies can also lower your rates. Have the same insurance company provide you with health insurance, life insurance or homeowners insurance if they offer it.
Keeping your driving record in good shape will also help to keep your Illinois auto insurance premiums low. In fact you may be able to get a discount for being a good driver. If your car has an anti-theft system installed you should let your agent know so if they have a discount you may qualify