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Cheap Illinois auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Illinois.

You should understand that you don’t have to break the bank when it comes to your car insurance policies. These days, people are doing just about everything they can to assure that they’re saving money, and a great way to do that is by finding a cheap auto insurance policy in Illinois. Cloverleaf Insurance Agency 1-800-530-5822 makes it easy using our free quote tool! Save hundreds of dollars a year.

 Illinois Auto Insurance

The state of Illinois is a Tort state. This means that someone will be declared at fault for each accident. If the state declares an individual as the cause of an accident, the named person will be required to pay all the damages which result from the accident they caused. This will include all medical bills and vehicle repairs. For this reason, insurance companies may encourage you to purchase more than the minimum auto liability insurance required by the state of Illinois, as even a cheap auto insurance policy in Illinois may not prove to be that much of a steal. If a car is financed, you will most likely be required to carry comprehensive and collision coverage on the vehicle to offset the risk to the lending agency. You are not required to carry uninsured and underinsured motorist coverage by the state. If you choose to reject this coverage, you will be required to sign a statement to that effect.

If your insurance lapses for any reason you will be breaking the law concerning mandatory insurance requirements and you can be charged as such if you are caught driving, something not particularly important if you consider the cheap auto insurance policies in Illinois. You will pay a minimum fine of $500.00 and a reinstatement fee of $100.00 for your registration.

 Illinois Car Insurance Practices

In the state of Illinois, the insurance company is allowed to check out your personal credit history when offering you insurance and setting your premium rates although many insurance companies do not use your credit history when offering you insurance, a pretty substantial factor in determining cheap Illinois auto insurance. Insurance companies place more importance on your driving record, vehicle you drive, sex and age as well as the number of the drivers to be included on the policy, and where you live. Illinois was ranked as having the 27th highest premium average in the United States.

Things that can help you reduce the cost of your insurance premiums include a clean driving record, the type of vehicle you choose to drive as well as the number of miles you drive per year. The fewer miles you put on your vehicle each year, the lower your chances are of being involved in an accident. The reduction in accident risk can translate into a reduction in premiums. A clean driving record is considered the most optimal candidate for cheap auto insurance in Illinois.

It will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will generally be higher on vehicles which are a targeted by thieves. The cars that made the top 10 stolen vehicles in Illinois are:

1. 1991 Toyota Camry
2. 1994 Oldsmobile Cutlass
3. 2004 Chevrolet Cavalier
4. 1992 Chevrolet Van
5. 1989 Chevrolet Caprice
6. 1993 Ford Taurus
7. 1990 Buick LeSabre
8. 1994 Dodge Caravan
9. 2004 Pontiac Grand Am
10. 2000 Dodge Intrepid

Lowering Premiums

In addition to the intangibles, there are also other things in your favor if you’re looking for cheap Illinois auto insurance. Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums along with anti-theft devices like an alarm system and global positioning systems. Parking your car in a garage or secured area is another way to reduce your premiums. Where you live will affect your insurance rates which can be affected by weather extremes, high theft risk, and high traffic patterns. Prior accident claims will also be a red flag to insurance companies especially if there are several claims on your past record. The amount of your deductible is also a key factor when determining insurance rates. The higher your deductible is, the lower your insurance rates will be.

In short, you have a lot of options available to you if you’re looking for cheap auto insurance in Illinois . Cloverleaf Insurance Agency 1-800-530-5822 connects people with the best policies available using our free quote tool. If you’re looking for something substantial on your car insurance policy, get in touch with us now!

Illinois minimum requirements

Bolidy Injury Liability Per Person: $20,000.00 Limit
Bolidy Injury Liability Total: $40,000.00 Limit
Property Damage Liability: $15,000.00 Limit

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