Helpful agents are standing by: (312) 470-6943
Press play below to listen to our audio commercial:

Auto Insurance in Illinois FAQs for First Time Insurers

Do newly licensed teenagers require auto insurance in Illinois?

All drivers have to be insured. You must have your own policy or you must be named on the policy of someone in your family.

Does everyone need to have their auto insurance?

Proof of financial responsibility or auto liability insurance is required in all the 50 states. Each state sets limits for how much insurance is required.

What are the factors that affect the cancellation of policies?

Insurance companies calculate the risks associated with each of the policyholder to determine if you are at  “good risk” or should you policy be cancelled. Among other factors, insurance companies will review your credit history, claims, and your driving. If your credit history is good with no bankruptcy’s and you have a clean driving record and if you have frequently not filed claims your policy will not be cancelled.

At what condition is the auto insurance rates will decrease?

Teenagers and young drivers usually pay more for car insurance. There is no reduction according to age, it mainly depends on the driving record, if you have a good driving history from day one, you can request a reduction in rates any time. If advanced driving classes had been taken or if the vehicle is fitted with some specific features, the driver can request a rebate.

Can insurance be paid monthly?

The auto insurance can be paid monthly which enables people at a financial disadvantage to pay on a monthly basis.

What are the factors that affect the premium?

Age, gender, marital status, coverage limits, driving records, household driving information, location, type of the vehicle, use of the vehicle, how far you drive to work and the milage, and on credit history.

How to lower the credit costs?

Ask about discounts, take the highest deductible that you can afford, consolidate your insurance needs, maintain a good driving record, choose your vehicle carefully and keep a very good credit history.

If I have an accident will my premiums go up?

It depends on the type of accident. In many cases it will increase.

What is a deductible?

The amount that you pay towards a claim before your insurance pays is called deductible. If you have$800 claim and your policy has $200 deductible then you will pay 200 and your insurance will pay $600.

What is the basic auto insurance coverage?

The basic types are: bodily injury liability, property damage liability, medical payments, physical damage collision and comprehensive.

By just providing a little information as the zip code you can obtain quotes for the best auto insurance in Illinois.