Who Provides the Cheapest Car Insurance in Illinois?

Saving money is like building a house; you need the proper tools to get the job done. And this site gives you the tools you need to get cheap quotes on your car insurance in Illinois.

We also help you avoid the typical hurdles associated with trying to find better rates.

Whether you’re cruising through Chicago IL, Aurora, Peoria or Springfield, this site can make your drive a little more relaxing. That’s because you’ll have the comfort of knowing if you do get into a fender-bender, you’ll be covered. And you’ll be covered at the best possible rate.

We reviewed the user satisfaction ratings from insurers throughout the state and here’s what we came up with for our list of the the top rated providers…

List of the cheapest providers of car insurance in Illinois.

1. State Farm – is our top choice in the Prairie State and surrounding area.

2. Geico – a lot to like about this company, including their prices.

3. Country Financial – another good selection for your insurance needs.

Every driver needs car insurance in IL, but not all policies are the same. You can get different levels of coverage, different levels of service, and of course, pay different premiums.

As a driver, it’s your responsibility to determine how much coverage you need and it’s up to you to shop around to find the best policy for your needs.

The first things you need to know are the…

 Illinois Auto Insurance Laws

Laws governing Illinois auto insurance.The state of Illinois requires that all drivers with a registered car carry at least a minimum amount of liability coverage.

This pays for damages caused to other people or property when you are at fault in an accident.

So it’s absolutely crucial that you have at least this much coverage on your auto. Liability insurance in the state can also cover the costs of legal battles if you are sued after an accident.

Your auto insurance policy in Illinois must include:

  • Bodily injury liability coverage of at least $25,000 per person and at least $50,000 per accident, which covers medical costs for injuries of passengers in other vehicles, pedestrians, cyclists, or passengers in your own vehicle who are not members of your household.
  • Personal property damage liability coverage of at least $20,000, which covers repair or replacement of other vehicles involved in the accident, along with covering damage to other personal property like fences, buildings, or trees.
  • Uninsured and underinsured motorist bodily injury coverage of at least $25,000 per person and at least $50,000 per accident, which covers medical costs for injuries to you and other passengers in your vehicle if the at-fault party did not have insurance.

But you don’t have to settle for the minimum requirements. There’s other options you may want to consider depending on your situation.

Optional car insurance in Illinois…

The best car insurance policy in Illinois will also cover repairs to your vehicle and medical costs for you and your passengers if you are involved in a collision or another incident, like theft, vandalism, or a natural disaster. If you can’t afford to repair or replace your vehicle if it is in an accident, you should definitely consider adding these types of coverage to your policy. If you financed your car or are leasing it, comprehensive and collision coverage may be required by your lender or the holder of your lease.

  1. Comprehensive coverage repairs or replaces your vehicle after it is damaged in a natural disaster, like a hail storm or fire, or if it is stolen or vandalized.
  2. Collision coverage repairs or replaces your vehicle after it is damaged in a collision, unless the other driver is at fault and has insurance that will cover the damage.
  3. Uninsured and underinsured motorist property damage can cover damage to your vehicle when the at-fault driver did not have sufficient insurance.
  4. Medical payments coverage will pay for medical costs and loss of wages associated with injuries you and your passengers got in an accident.
  5. Rental car reimbursement covers the cost of a basic rental car for you while your car is being repaired under a comprehensive or collision claim.

This optional coverage can play a pivotal role in your coverage depending on your situation. You should give it real consideration. Especially if your car costs a considerable amount of money.

Tips for getting the best Illinois auto insurance quotes…

  • Choose your deductible for comprehensive and collision coverage based on how much you could comfortably afford to pay when making a claim. The higher your deductible is, the lower your premiums will be.
  • The cheapest car insurance quotes in IL is not always the best choice. Make sure you have enough coverage and, in particular, purchase more than the minimum liability insurance if you have any assets to protect, including a home, investment accounts, or significant savings. Accidents often cause more damage than the minimum limits will cover, and you could be sued to pay the damage not covered by your car insurance policy.
  • Get car insurance quotes from several different companies on the same policy, and compare these quotes to help you select your insurance provider.
  • Consider the reputation and customer service quality of the car insurance providers you are considering. If you need to make a claim, you want the process to go smoothly.

These are just a few of the things you can do to get the most beneficial deal.

Now, let’s take a look at…

How to Investigate Car Insurance Companies in Illinois

Before signing up with an insurer, you may want to do some homework. And there are several tools you can use for your investigation and analyses. The Illinois Department of Insurance can provide you with important data such as how long a firm has been in existence, whether or not the insurer is licensed to do business in Illinois, how many accusations from consumers the company has been a part of, and where the company is located and how to get a hold of them. These are some crucial details you need to be aware of.

For example, if a firm has many allegations against them from current or former clients, then it may be wise for you to look somewhere else for your insurance needs.

Want to see how many people complained about the company you are considering? Then you can check out this page and click on the link for autos. You’ll get a pretty good idea of how the company operates and how they treat their current and former customers.

What happens if no company will give you coverage?

In some rare cases, you may not qualify for insurance from a traditional company. Or they just may not be willing to take you on as a risk. What do you do then? What are your options?

Well, fortunately, you still have some alternatives. In such cases where no company is willing to take you on as a risk, the state offers what is known as the “Illinois Automobile Insurance Plan”. To qualify for this plan which every insurer in the state must offer, you have to show and prove that you do not qualify for traditional insurance from any company in the state.

You must show that you attempted and were turned down for insurance within the sixty days prior to applying for this plan. Naturally, you also need a driver’s license in good standing and you can’t owe money for previous coverage you may have had in the last three years.

There you have it, all the info you need to make the best decision for you and your family.

Whether you’re looking for an insurer in Cook County, DuPage County, Lake or Hardin County, you can use the tips and tools listed above.

Neighboring states…