Full Coverage Car Insurance in Illinois
Illinois law requires all motorists to possess the state minimum uninsured motorist coverage. Still, you can find other insurance plans to provide more benefits for you and your loved ones. With Insured ASAP, we make it easy for drivers in Illinois to find the cheapest car insurance rates around.
Types of Illinois Auto Insurance Plans
There are many different auto insurance policies, each with its type of coverage. At Insured ASAP, we offer a portfolio of coverage plans to ensure protection wherever you go, including
- Collision coverage: Collision coverage protects you in the event of damage to your vehicle from a traffic accident or object collision.
- Comprehensive coverage: Comprehensive coverage offers protection against moving objects. For instance, if debris damages your car while you’re driving, you can file a claim under this plan.
- Property damage: This insurance plan covers you if you damage property with your motor vehicle, such as a house, car, or civic building.
- Bodily injury liability: This insurance plan pays for any injuries you may have caused in an accident. The auto insurance company will pay out any medical bills and related expenses.
- Uninsured and Underinsured liability: If you were a motor accident victim, and the other party was uninsured, underinsured, or drove away without exchanging information, this plan provides coverage in Illinois for the minimum coverage, mandatory for at least $25,000 per person.
The price of an Illinois auto insurance plan depends on
- Age: Drivers younger than 25 and older than 65 will typically pay higher rates given their increased risk factors.
- Credit: A high credit score will result in a better rate. Lower credit scores may affect the price of your coverage plan.
- Type of car: Not all cars are the same, so insurance companies must evaluate the type of vehicle you drive to assess its risk value. For instance, the engine, body style, and safety features can all play a role in the insurance price.
- Driving history: Drivers with a clean driving record – low rates of accidents or tickets – are preferable for better rates than those with consecutive speeding tickets, DUIs, and other violations. If you have a spotty driving record, you may need to wait at least three years before the coverage limit expires.
- Residency: Insurance companies may also identify other areas of risk in your household. If you share a vehicle with other drivers who are a greater risk than you, it can still impact your insurance pricing.
Get a Quote Today!
If you need full coverage car insurance in Illinois, call Insured ASAP for a quote today! We make finding affordable auto insurance plans easy to give you peace of mind on the road. Call us at 800-641-7488. We’re happy to answer any questions or concerns you may have.