In Illinois, the minimum limits for bodily injury liability insurance are $20,000 per person and $40,000 per accident. The minimum limit for property damage liability insurance is $15,000. Considering that this is the bare minimum, it might be in your best interest to buy more than what is needed. With the rise in medical costs and the cost of a possible hospital stay, the liability limits of your policy can be used up quickly in the event of an accident.
Even though it sounds strange, you might be able to save more on your car insurance if you raise the amount of liability coverage. This is for your own safety. Even if the policy limits have been reached, you are still responsible if you cause an accident. It might be a good idea to compare prices for higher liability limits. You might find that the extra premium is a small price to pay for the peace of mind that comes with higher limits.
Even though Illinois residents don't have to show proof of insurance when they register a car, they should still make sure they have coverage. Coverage is required for all kinds of vehicles, not just cars. This includes vans, RVs, motorcycles, buses, and trucks. Trailers don't have to have insurance.
Illinois residents are subject to random insurance questionnaires. So, you might be picked at random to fill out a questionnaire that asks you to show proof of insurance. If you are pulled over and don't have insurance, you will be given a ticket. You'll have to show the court that you had insurance when you were pulled over. If you don't, you'll have to pay a fine of $500 and a fee of $100 to get your registration back.
You should look around for the best rate on your car insurance. Get at least three different insurance quotes and compare them.
