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Illinois Auto Insurance

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Auto Insurance rules in Illinois

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Illinois auto insurance quotes
A Brief Insight to the Auto Insurance Rules and Coverage in Illinois

In terms of coverage, Illinois provides two major liabilities. They are bodily injury liability and property damage liability. When you cause an injury or loss during an accident, it pays back the damage to the claimants. They also take care of their medical expenses, lost wages and the damage caused to their property.

The state's liability minimums are 20/40/10

Minimum Coverage: The minimum car insurance coverage in Illinois is $20000.The amount remains same for injury of a person during an accident. The minimum coverage for all injuries in an accident is $40000. And $10000 for property damage in an accident. The optional coverage such as medical payments, collision, comprehensive, and uninsured and underinsured motorists' bodily injury coverage is also provided by the state in addition.

You are required by law to have certain minimum level of coverage:

Mandatory Coverage Minimum Requirement
Bodily Injury Liability (BI): When you are at fault in an accident, pays for accidental injury to or the death of another driver, the other driver's passengers, passengers in your car, and pedestrians.

$20,000 per person

$40,000per accident

Property Damage (PD): When you are at fault in an accident, pays for the repair or replacement of other people's cars or property. $10,000 per accident

Medical payments, PIP, and no-fault coverage
Every state auto insurance company offers its policy owners certain kind of advantages. In Illinois the facilities are provided through the Medical payment coverage's. The owner should take the advantage of Personal injury protection (PIP) and "no-fault coverage by availing Medical payments. The further expanded feature also includes the payments for lost wages and childcare.

State DUI/ DWI Young Driver Licensing Safety belt usage Motorcycle
Helmet use
Red light
Child Restraint Use
Illinois Good Fair Fair Good Poor Marginal

Illinois Auto Insurance Law

The state law has a strict norm against all those who do not get their vehicles insured. If you want to become a safe driver in Illinois, you should carry your insurance or its evidences along. An insurance policy is the easiest way, which sets you free from all the legal allegations, when an accident is caused.

Mandatory Requirements:
The Auto insurance becomes a legal document, which protects you against any claims put on to you after an accident. You also need auto insurance to get a financial protection.

In accordance with Illinois auto insurance law, other acceptable documents to prove insurance include:

1. A temporary insurance card issued by the insurer.
2. A premium receipt or insurance binder issued by the motorist's insurance agent.
3. The current declarations page of a liability insurance policy.
4. The actual liability insurance policy issued for the vehicle.
5. A certificate of liability insurance policy issued by either the insurer or an authorized agent.
6. Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner's permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
7. A copy of the rental agreement when renting a motor vehicle, which specifies the insurance coverage.

How Auto Insurance Rates Are Determined in Illinois

All insurers or brokers have different rates to offer in different states. In Illinois, you can cut cost on your insurance premium if you change your life-style a little bit. To bring out some change in your policies, car, or your service provider can lower down on the interest rate.

For example if you have committed an accident in the past few months that will be counted as the drawback for your existing interest rates.
The credit problems, if suffered frequently can also pose you a problem at the time of the computation of interest rates.

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Why Advantage One Insurance?

Enjoying the freedom and mobility your vehicle provides is part and parcel of the American dream. Our job is to help you protect that dream.

Choosing the right automobile insurance coverage can be a confusing experience for most people.  With different Liability limits, Comprehensive, Collision, Personal Injury Protection and Medical coverages to choose from it's easy for most consumers to make simple mistakes that could quickly become a drastic consequence towards their stability and financial well being.

The value of good automobile insurance doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.

Throughout this section our focus is to provide you with empowering information that enables you to better understand the many options involved in automobile insurance.

As an independent insurance agency it's our job to represent you, the customer.  Consistently working to provide the individual coverage you require.  When it comes to protecting your auto, home, business and family, don't leave it up to chance.. being insured with the best certainly has its advantages.  That is just one of the reasons why the companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority.



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Auto Insurance in Illinois (IL):
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