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Your Questions about Auto Insurance Rates in Illinois Answered!

How are auto insurance rates in Illinois established?

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Auto insurance rates are established by companies who employ staff to underwrite a policy on your behalf. A series of factors will be taken into account and these will have a significant effect on any premiums that are offered to you at a later stage.

What levels of auto insurance must I purchase?

You will be expected to purchase the minimum level of auto insurance made mandatory by the state of Illinois and this is a legal requirement. At the current time, those levels are set as follows:

  • $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

What if I need extra coverage?

Most auto insurance plans can be individually tailored to meet your own requirements. It is always advisable to purchase additional coverage wherever possible although consumers should always remember to make sure that upgrades remain affordable.

What extra coverage might I need?

Always remember that any shortfalls in coverage may leave you liable for settling outstanding balances. The minimum levels of auto insurance coverage will only be suitable for low impact collisions and these should be increased to the following levels wherever possible:

  • $100,000 worth of bodily injury liability per person
  • $300,000 worth of bodily injury liability per accident
  • $100,000 worth of property damage liability
  • $100,000 worth of uninsured or underinsured motorist coverage per person
  • $300,000 worth of uninsured or underinsured motorist coverage per accident

You may also require further add-ons to your policy. These might include personal injury protection, collision coverage or comprehensive auto insurance.

Will my auto insurance coverage be expensive?

This will depend on a number of factors although motorists in Illinois will be pleased to know that the average auto insurance policy sold in the state works out to be approximately $280 cheaper than the equivalent national average. Naturally, individual polices will vary in price so a studious outlook is always recommended.

Where can I purchase a policy?

Although it is still entirely possible to purchase auto insurance through land-based offices, brokers and telephone call centers, many road users in Illinois prefer the ease of price comparison websites. These helpful resources are ideal for producing multiple auto insurance quotes in a short period of time although many of those found on the internet still lack a respectable level of customer service.

Why should I consider Promiga Auto Insurance Quotes instead of a rival site?

Promiga Auto Insurance Quotes is entirely dedicated to bringing you the best online car insurance quotes available. We operate in tandem with some of the most reputable insurance companies in the country and all of our partners have enjoyed A-ratings in recent reviews. This serves to highlight their expertise in using the internet as a means of impressing new and existing customers.

How much will an auto insurance quote cost me at Promiga?

All polices on offer at Promiga Auto Insurance Quotes are completely free of charge. We act as an intermediate between consumers and a huge list of market leaders but never make commissions directly from consumers. This means that we are able to offer an unbiased and unrivalled service that consistently delivers on every promise made. All you pay for is your auto insurance policy and nothing more!

I’m a little wary about purchasing a policy online. Is it a safe practice?

At Promiga Auto Insurance Quotes, you will never be asked for personal information until you are directly in contact with a preferred insurance company. As well as preserving your privacy, obtaining a policy from Promiga Auto Insurance Quotes will never result in unsolicited junk mail or tiresome telephone calls from other companies who just won’t take ‘no’ for an answer.

What other benefits can I expect?

The ease in which you can obtain cheap online auto insurance quotes may come as something of a surprise. Industry insiders are more confident than ever that price comparison shopping is the ideal way to purchase a new policy. Our dedicated website can offer a large number of equivalent choices that vary in terms of price and the type of coverage they provide. By establishing your own auto insurance requirements in advance, it is usually a fairly easy process to compare policies and our detailed range of informational articles are updated regularly so that consumers have access to the latest available information.

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