Many road users in Illinois are using price comparison techniques to purchase the cheapest auto insurance options available within the Prairie State and the services available at Promiga Auto Insurance Quotes can often lead to savings of hundreds of dollars. While many motorists continue to purchase the first available policy on the strength of price alone, the conscientious price comparison shopper has become accustomed to taking their time to review policies carefully in order to find the type of auto insurance coverage that saves them money on a consistent yearly basis.
By using Promiga Auto Insurance Quotes, even those with a somewhat colorful driving history will be able to find competitive deals that provide excellent protection at the right price. As obvious as it may seem, the real secret of comparison shopping is to review products and services carefully so that the best possible deals can be assured.
Why Road Users in Illinois need Auto Insurance
Auto insurance is a mandatory factor in the overwhelming majority of US states and if a valid policy isn’t in operation when a motorist uses highways in Illinois, the uninsured party runs the risk of collecting fines, receiving suspensions and having negative entries made on their driving history. At Promiga Auto Insurance Quotes, we like to stress the importance of having the best levels of coverage in place; a loss of driving privileges can have a significant impact on the lifestyle of many road users and the incremental level of fines being applied for persistent offences can often outweigh the cost of an annual policy within months.
There are also a number of other significant factors that arise when the need for auto insurance quotes and effective coverage is considered. If you own a relatively new vehicle that still has outstanding loans due on it, the lending institution will inevitably require you to have the vehicle fully insured. As well as protecting the financial interests of the lender, there are a number of benefits for the vehicle owner as well. There is nothing worse than still having to make payments on a vehicle that was declared a total loss several years ago when a valid auto insurance policy would have been enough to settle any outstanding balances due on it. By obtaining car insurance quotes and comparing the options available, this type of situation can be easily avoided.
Although many residents in the United States remain concerned about the rising costs of general healthcare, it’s extremely surprising how often road users neglect the potential financial hardships that might be caused in the wake of a road traffic accident. This is particularly relevant where third parties have sustained serious physical injuries. If a motorist in Illinois is found to be at fault in a road traffic accident and sufficient liability coverage hasn’t been purchased, the individual concerned will have to meet any expenses personally and the current court culture that grips the country can literally see vehicle owners being taken down the road to ruin. By purchasing a policy at Promiga Auto Insurance Quotes, this type of situation can be easily avoided.
As well as having concerns about bodily injury liability, road users in Illinois should also pay attention to the need for property damage liability. It is somewhat inevitable that a road traffic accident will ultimately cause damage to the vehicles or property of third parties and by having sufficient coverage in place, the stress and expense of having to pay for repairs personally can be avoided.
What Type of Auto Insurance do Road Users in Illinois need?
Motorists in Illinois are obliged to purchase the minimum level of mandatory auto insurance coverage as requested by the state. Although the minimum levels are enough to allow road users to drive legally, it is always recommended that additional coverage to a higher value is purchased wherever possible. The state of Illinois demands that all motorists carry the following levels of coverage as an absolute minimum:
- $20,000 worth of bodily injury liability per person
- $40,000 worth of bodily injury liability per accident
- $15,000 worth of property damage liability
- $20,000 worth of uninsured or underinsured motorist coverage per person
- $40,000 worth of uninsured or underinsured motorist coverage per accident
In terms of recommended coverage, liability insurance and protection against uninsured or underinsured motorists should be increased to a level of 100/300/100.
Factors that Influence your Auto Insurance Quotes
There are a number of different factors that will influence the price you have to pay for your auto insurance. At Promiga Auto Insurance Quotes, we like to highlight all of the key areas that affect your premiums. Many of these points can actually be used in a positive manner to bring down the cost of your car insurance quotes:
Age – Accident statistics indicate that young drivers are one of the highest risk categories in the world of auto insurance. Naturally, insurance companies will increase their premiums for any motorist under the age of 25. However, it doesn’t take long to build up a good driving record and if a young driver can maintain good student grades and participate in a defensive driving course, insurance companies will usually apply a series of discounts for displaying increased levels of responsibility.
Driving History – The driving history of a motorist can be affected by traffic violations, multiple claims and other entries such as driving under the influence of drugs or alcohol. Usually, an insurance company will look at your driving history over the previous three-to-five year period to see if there are any infractions. By requesting a copy of your driving record from the Illinois Department of Motor Vehicles, it is possible to review your recent history and if any entries are inaccurate, they can be removed fairly easily. This will lead to cheaper auto insurance quotes with immediate effect.
Accident Record – Road users in Illinois have an obligation to provide their auto insurance companies with details relating to accidents in the previous five-year period. Failure to do so can lead to policy cancellations and this may make it difficult to purchase coverage elsewhere at a later date. Always take time to explain the nature of a previous accident when applying for a new auto insurance policy. If the incident wasn’t your fault, it is unlikely that the insurance company will punish you at all. If you already have an accident-free record, the chances of finding cheap auto insurance quotes will be significantly improved.
Choice of Vehicle – The type of vehicle you drive will have a huge influence on the price of your auto insurance policy. Expensive vehicles with high performance engines will be subject to higher premiums than an older model with a smaller engine capacity. Although age and driving history will inevitably have an effect on your auto insurance rates, choosing an appropriate vehicle to lower costs is often seen as a wise move, particularly for younger motorists who have still to build a creditable driving history.
Safety and Security – Auto insurance policies are priced on a factor of risk but there are many other circumstances that a carrier will consider when establishing car insurance quotes. If you live in an area with an abnormally high crime rate, the chances of theft are significantly increased and premiums will rise accordingly. Regions with a dense population and high levels of vehicle usage will also be more expensive than quiet, rural areas. Safety and security devices can help to reduce the cost of these implications and a vehicle that is fitted with airbags, immobilizers, anti-lock braking systems or satellite tracking will usually qualify for additional auto insurance discounts.
Credit Rating – Carriers will review your credit history when they underwrite a policy and any negative entries will count against you. It is vitally important to maintain a record of prompt payment on all of your credit obligations to help reduce the cost of your auto insurance quotes. A poor previous history may lead to a policy refusal if you are unable to pay for your auto insurance coverage in a single lump sum. If you feel that there are inaccurate entries on your credit record, it might be worthwhile applying for a copy. Any debts that have been settled can be easily removed as long as proof of payment can be provided.
Available types of Auto Insurance
The demands placed upon motorists living within different states are often quite varied and this means that there is no single type of auto insurance coverage available to cover all eventualities. The complexity of auto insurance in the United States and the different systems used to establish liability in the event of a road traffic accident can often lead to motorists using their vehicles without sufficient coverage in place. Promiga Auto Insurance Quotes specialize in bringing our customers excellent basic policies that can be easily tailored to produce the perfect online car insurance quote.
Bodily Injury Liability – Illinois operates under the Tort system and any motorist who is found to be responsible for a road traffic accident will be accountable for any bodily injuries sustained by third parties. Bodily injury liability is compulsory in Illinois and any medical costs, funeral expenses or loss of earnings incurred by third parties will be settled as part of your auto insurance agreement.
Property Damage Liability – Property damage liability is another compulsory requirement on all Illinois auto insurance quotes and any damage caused to third party vehicles or property will be fully covered up to the value indicated on your policy.
Uninsured/Underinsured Motorist Coverage – Unfortunately, there are a growing number of road users who feel that state laws can be overlooked and these perilous individuals choose to operate their own vehicles without purchasing any auto insurance coverage. This can cause significant problems if you are hit by an uninsured or underinsured motorist, especially if they don’t have the financial means to provide a settlement independently. The state of Illinois makes uninsured/underinsured motorist coverage a mandatory element on all auto insurance quotes.
Collision Coverage – Property damage liability only covers the cost of repairs to a third party vehicle if you are found to be the responsible driver in a road traffic accident. By purchasing collision coverage as an auto insurance add-on, the cost of damage to your own vehicle will be met by your carrier. However, additional coverage will inevitably lead to higher premiums so the value of your vehicle, and the estimated cost of any potential repairs, will have to be considered carefully before it is added on to your auto insurance quotes.
Comprehensive Coverage – Comprehensive coverage is another optional feature that can be included within an auto insurance policy although, once again, there will be additional charges applied. Comprehensive coverage provides protection against damage to your vehicle for all factors outside of those already explained. This can include damage caused by fire, theft, flooding, high winds or any other reasonable factor that may make repairs a necessity.
GAP Insurance – GAP insurance is rarely purchased by most motorists and only becomes a regular feature on auto insurance policies where a vehicle is leased or has outstanding loans secured against it. GAP insurance will cover any shortfall on loans or agreements where the original insurance settlement fails to cover the full value of outstanding debts.
Finding Cheap Auto Insurance Quotes
We thoroughly believe that Promiga Auto Insurance Quotes provide some of the policies in the entire country. All of our partners are A-rated auto insurance carriers who have built their reputations on outstanding service and excellent coverage options. We only provide 100% free auto insurance quotes and never take commissions from our growing army of delighted consumers.
Our online auto insurance quotes are accessible by providing a ZIP code; there is no need to provide us with any other personal information so your privacy is assured. By choosing Promiga Auto Insurance Quotes for all of your coverage requirements, you can begin to save money straight away while enjoying some of the most detailed coverage available in the auto insurance marketplace.