Finding the Cheapest Auto Insurance Quotes Online
Reader’s Question:
How much auto insurance coverage should I carry here in Illinois? Also, how do I choose the least expensive car insurance policy? Thanks!
Cyrus
Chicago, IL
Its good you asked. Illinois, like most states, has financial responsibility laws that require every driver to carry auto insurance every time they drive. In a nutshell, your auto insurance policy in Illinois should at least meet the following requirements:
1. $20,000 – Liability coverage for death or injuries caused to one individual per accident.
2. $40,000 – Liability coverage for death or injuries caused to more than one individual per accident.
3. $15,000 – Liability coverage for damage or destruction of (another person’s) property.
You would be well advised to purchase much more than what the state requires. A typical auto accident can easily wipe you out financially if you don’t have liability (auto) insurance coverage to protect you.
The best way to find the most affordable auto insurer there in Chicago – or anywhere, actually! – is to use insurance portals and obtain free auto insurance quotes. Not only will you save time and effort, you can also compare auto insurance rates coming from many different insurers instantly. Take note that each and every kind of auto insurance company has their own method of calculating rates. Using auto insurance portals and their rate search tools (like the one found on this website) can maximize your chances of getting the insurer with the lowest rates for you.
And since you’re doing that, you may want to also check the kind of auto insurance discounts you might be eligible for. Discounts are a great way to lower your rates further. You can check out the insurer’s homepage which will normally publish this information, along with their latest auto insurance quotes, online.
auto insurance quotes