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Sunday, 8 July 2012

Cheap Auto Insurance in Illinois

If you're new to the state of Illinois, you're likely to be interested in finding out all about the car insurance in your new state. You'll be happy to know that Illinois car insurance is less expensive than insurance in most other states. You'll likely be able to get a better deal than in your previous state.

Illinois is a tort state, which means that someone must be found at fault in each accident. Therefore, the state requires that all drivers carry insurance to cover damages caused to the other party.

The state of Illinois requires that all drivers carry basic Bodily Injury Liability coverage with $20,000/$40,000 limits. In addition, drivers must carry Property Damage liability coverage with a $15,000 limit and uninsured motorist bodily injury with $20,000/$40,000 limits.

The Illinois car insurance limits required by the state are fairly low, so most drivers carry more than the minimum on their bodily injury and property damage liability. If you wind up being under insured and are found at fault in an accident, you might wind up having to pay out of pocket or being sued. In addition, you may want to carry higher limits on your uninsured motorist policy, so that you are fully covered in the event that you are in an accident with an uninsured motorist. In addition to carrying the right amount of liability insurance to cover any damages you might cause, it's also wise to consider Illinois car insurance to cover your own damages and expenses. If you're at fault in an accident and carry only liability and uninsured motorist coverage, you'll have no coverage for your own vehicle and injuries.

Collision coverage insures you for repair or replacement of your vehicle. If you're carrying a note on your vehicle, your finance company may require that you have collision insurance on your vehicle. In addition many drivers consider adding comprehensive insurance. Comprehensive insurance covers your vehicle for damage caused by circumstances other than an accident, such as fire, natural elements, vandalism and theft.

There are several optional items you may want to consider on your cheap Illinois car insurance quote. Items like rental car coverage and roadside assistance are nice to have and are typically very affordable. Since Illinois' car insurance rates are lower than rates in most other states, you're likely to be able to at least keep your same coverage without spending more money. And, you may be able to afford better coverage than you held in your previous state for the same or less money. Take the time to shop around with several different agents in order to get the very best deal on your Illinois car insurance.

You can visit www.cheapcarinsurancequotetips.com to get more information on saving money on your Illinois car insurance.

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