Illinois Car Insurance

On a scale of one to ten, how about the importance of buying car insurance for drivers in Illinois is Illinois? Five? Seven? Believe it or not, groceries and drugs aside your auto insurance is one of the largest investments that you, as a pilot from Illinois, never will. Car insurance is much more than you let it slip if you're in an accident. It protects your family and your belongings long-term devastation that these accidents leave behind.

Why do I need an Illinois car insurance policy?

Imagine. You're driving to I-90 in the middle of winter in Chicago when you suddenly find yourself sliding off the road and taking three cars with you. When emergency crews arrived and rescued five people you must go to the hospital, three from a week of quality in intensive care, three vehicles need repairs and the State of Illinois is they need their guard complaining replaced.

Doing the math. The average ER visit costs about $ 1,000, with visits to the intensive care unit running as high as $ 5,000 per day. That $ 110,000 in medical expenses (more or less). The average cost of repairs after an accident is $ 1,200, there is another $ 3,600 on your tab, and Illinois wants another $ 1,000 to rebuild their security system. This is a minimum of $ 156,000 you will be personally liable for unless you have a policy of Illinois auto insurance to take care of her.

How much Insurance Do I really need?

How much insurance you need as an Illinois driver is debatable. The state of Illinois says that all drivers are required to carry uninsured motorist bodily injury coverage of up to $ 20,000 per person or $ 40,000 per accident, bodily injury liability coverage to $ 20,000 per person, or $ 40,000 per accident and $ 15,000 to pay for damage to property. As you see, however, the minimum state may not be enough!

Most experts suggest you carry between $ 100,000 and $ 500,000 liability insurance on your auto insurance Illinois. More is obviously better, but you do not want to live on bread and water to pay your premiums every month! These same experts also recommend that you carry collision and comprehensive insurance coverage to protect your car after an accident, making sure you're covered no matter who (or what) is responsible for damage first.

What if I do not have the means?

The key is that you can not afford not to have car insurance when you're on the road. It is much harder to find than $ 156,000 to collect $ 120 per month for your premiums. This does not mean you should not do everything you can to lower the cost of your auto insurance if! Most vendors in Illinois Auto Insurance offer discounts on your driving record, safety features of your car and safety, your job, your age and a hundred others, so make sure you talk your insurance agent before signing on the dotted line.