In the state of Illinois minimum liability insurance is mandatory on all licensed, motorized vehicles. Uninsured drivers caught driving without insurance will face stiff penalties. First time offenders will face a $100.00 fine and the license plates of their vehicle will be suspended untile they retain insurance. Repeat offenders will have their license plates suspended for four months and will have to pay a $100.00 fine as well as prove that they have insurance. In order to avoid these penalties and protect themselves while driving, it is crucial that drivers have Illinois car insurance. When shopping for the best deal thre are several factors that should be taken into consideration.
Every driver requires different levels of insurance, and it is important for individuals to know their needs as they begin to compare auto insurance quotes. Needs are dependent on the automobile that a driver is insuring. A driver that is driving a 20 year old car may choose minimum coverage liability insurance because if they are in an accident their car may not be worth repairing. If a driver has a newer automobile he or she will need higher coverage amounts to protect their investment. Additionally, if an automobile is not paid for, the lending institution holding the title will require full coverage insurance.
When customers buy Illinois car insurance they hope that they will never need to use it. But, there are times when it is necessary to file a claim. Quality customer service at these moment is critical. Drivers need to be confident that, if they are in an accident, their insurance carrier will handle the claim efficiently, and with as little complication as possible. As drivers compare auto insurance quotes, they will not find the answers to their questions concerning customer service levels. The best way to find out which companies offer the highest level of customer service is through reading reviews found on the internet. Individuals can also speak with friends, family members, and co-workers concerning their insurance experiences.
Although it could be a mistake to base auto insurance choice on premium price alone, it obviously needs to be considered. It is fairly easy to compare auto insurance quotes in today’s internet driven world. In just a few minutes time, and with a minimum amount of information customers can have several Illinois auto insurance quotes to use for a side by side comparison.
Drivers need to carefully choose their Illinois car insurance provider. If customers compare auto insurance quotes and also take into account the opinions of other drivers, it will help them to make the best choice for their personal situation.
The five largest cities, by population listed with the largest first are: Chicago, Aurora, Rockford, Naperville, and Joliet. Each of these cities, with the exception of Rockford are located in the greater Chicago area. Rockford is located in the northern part of the state.