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How Illinois DUI Laws Could Affect The Rates of Your insurance Policy

Every day not only the financially stricken but everyone is looking for ways of saving extra cash and one of the ways that has been discovered to save extra money is Illinois cheap auto insurance. Keep in mind that you are required to make monthly payments or premiums when you purchase motor vehicle insurance cover so as to protect you from physical injury, property damage and loss in the event of an accident. In Illinois it is mandatory that you purchase; liability cover with a minimum requirement of $20,000 per person, $40,000 per accident and $15,000 for any property damage. Uninsured motorist cover that has a minimum requirement of $20,000 per person, $40,000 per accident and the underinsured cover with a minimum requirement of $20,000 per person and $40,000 per accident. Looking at these figures auto insurance is an expensive affair that may only favor the well to do in the society even though meant to protect your life, your property, the life of your passengers and other motorists. Below are the steps that you will follow so as to get IL cheap car insurance when in these harsh economic times.

1. Search. With the advent of the internet, a lot of auto insurance companies have moved online and created websites so as to sell their products to masses online. This has increased their visibility and awareness as there are millions of internet users every day, this has created a very competitive environment on the internet. This has forced the car insurance companies to come up with marketing strategies to attract more customers and create their market share by reducing their prices making the internet the best place to search for cheap auto insurance cover.

2. Shop. Online shopping is very fun, you are able to compare the quotes and coverage offered by several car insurance carriers at ease without wasting time and energy. For a comprehensive shopping, do not use individual company websites, search for websites that allow you to get a listing of the different companies in your local area, their insurance policies and prices.

3. Good credit score. Insurance companies use your credit score to determine the interest rate they will charge you which translates the monthly premiums you are going to pay. Paying all your bills on time without default gives you a high credit score, this will show the insurance company that you have little chance of filing for a claim in the future hence making them charge you low interest rate and monthly premiums. High credit score will definitely get you cheap car insurance in IL.

4. Lower personal risk. As a driver you should not pose a high risk or else you will be charged very high interest rate. To lower your risk you should; park your car in a very safe place, modify your car by fitting it with security gadgets, your car should cover low mileage annually, and you should have a good driving history and record. This will enable you to get low interest rates.

There is no reason to pay more than you need to in these harsh economic days or even when unemployed, compare IL cheap car insurance quotes by entering your zip code on top of this page.