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Champaign, Illinois Auto, SR-22, Home, Renters & Motorcycle Insurance

Champaign, Illinois lies roughly equal distances from Chicago, St. Louis and Indianapolis. It is one of the largest cities in middle Illinois, and a significant commercial center. As a result, several major state highways and interstates pass through the area.

Whenever you hit the road in or around Champaign, you’ll face a variety of driving risks. Because of the area’s significant infrastructure, some of these might even prove more precarious than in other places. Thus, to better protect yourself on the road around Champaign, you must have car insurance. Cloverleaf Insurance is here to help you get it.

Champaign Residents: Choose Cloverleaf Insurance

A car accident or other vehicle damage might prove inconvenient, scary and expensive. Indeed, the costs of damage, injuries and other settlements might soar into the thousands of dollars. Few of us could afford to pay for these damages out of pocket. That’s where a tailored auto insurance policy can step in to cover some of these costs.

You’ll likely need some guidance in getting the right coverage. Cloverleaf Insurance has over 30 years of experience in the insurance industry. We can compare policy options from top Champaign insurers, and thus guarantee we’ll always find you the policy that offers the best fit at the most appropriate price.

Illinois’s Auto Insurance Requirements

Your auto coverage must address your individual driving risks. However, you also must carry certain coverage under Illinois law. This will mean balancing between legal requirements and personal needs.

All Illinois drivers must carry, at minimum, liability insurance and uninsured/underinsured coverage.

Liability insurance will protect you in the event of accidents for which you are at-fault. It helps you compensate others for their losses, such as injuries or property damage. Your policy will automatically include:

  • $25,000 bodily injury coverage per person, per accident
  • $50,000 bodily injury coverage total per accident
  • $20,000 property damage coverage

Also, all Illinois policies will include uninsured/underinsured auto coverage. This protection pays you when another at-fault driver does not have appropriate liability insurance for your own losses. You must carry at least:

  • $25,000 bodily injury coverage per person, per accident
  • $50,000 bodily injury coverage total per accident

You have no restrictions to carry only these types of coverage. Therefore, you can often include additional layers of protection on your policy. We strongly recommend that all qualifying drivers carry additional liability limits, usually upwards of $100,000.

With our policy options, you can also get protection such as collision or comprehensive protection. These can help you pay for your own vehicle damage. You can even get coverage like medical payments protection if you have medical bills. Let us add these elements of protection to your policy.

Non-Standard Auto Insurance

Sometimes, getting auto insurance might prove challenging, particularly if you have driving penalties like SR-22s. These factors might drive up your rates, and even make you ineligible for certain coverage. We don’t want to see that happen to you.

Cloverleaf Insurance will always help you find the best auto insurance regardless of any mitigating factors. You won’t have to sacrifice valuable coverage just because of the costs of existing penalties.

Get Started Today

In Cloverleaf Insurance, you’ll have a long-term partner in your search for the right auto coverage. Champaign residents can start an online quote for free right now. Or call us at (800) 530-5822 for more information.

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