Normal, Illinois Auto, SR-22, Home, Renters & Motorcycle Insurance
Normal is something of a crossroads in middle Illinois. As Bloomington's neighbor, it helps comprise up one of the largest metropolitan areas in the Prairie State outside of Chicago. The region is home to more than 200,000 residents, and also the state's oldest public college, Illinois State. Due to infrastructure needs, multiple major highway routes pass through or near the city, and driving can get risky as a result.
Any local who needs to drive needs car insurance backing them up. Come to Cloverleaf Insurance to start an online quote or call us at (800) 530-5822. It's fast, free and easy for all customers.
Normal Residents: Choose Cloverleaf Insurance
Car insurance will help you pay for your personal losses and financial obligations if accidents occur involving your car. However, coverage is nothing if you don't get your policy tailored to your specific needs. Your car is a unique vehicle. You therefore need unique coverage.
Regardless of whether you have a clean driving record or insurance restrictions, Cloverleaf Insurance's dedicated, expert team will ensure you have a long-term partner in your search for perfect coverage.
Illinois' Auto Insurance Requirements
The State of Illinois requires all drivers to carry liability and uninsured/underinsured auto insurance.
Liability Coverage will pay others for the losses you cause third parties, such as other drivers or pedestrians. Your policy must include at least:
- $25,000 bodily injury coverage per person, per accident
- $50,000 bodily injury coverage total per accident
- $20,000 property damage coverage
Uninsured/Underinsured Coverage pays you when another driver is at-fault for your losses but does not have the right liability insurance to repay you. You must carry at least:
- $25,000 bodily injury coverage per person, per accident
- $50,000 bodily injury coverage total per accident
If you cause a wreck in Illinois, then you have to pay for the damage costs, usually including those you cause others. Your liability and un/under coverage can help you meet this obligation.
Other Coverage Choices
Most car insurance can include other coverage that offers more protection than the minimum Illinois limits. That is a great benefit when you need it, because you will have more help available.
- Higher liability insurance limits can help you pay for your own losses.
- Collision insurance covers your own car's damage if you have a wreck.
- Comprehensive coverage pays for your car's damage if non-accident incidents — such as theft, falling objects or severe weather — damage it.
- Medical payments protection helps you cover your own injury costs resulting from wrecks.
Non-Standard Auto Insurance
If you have a non-standard vehicle or a few black marks on your driving record, you might worry that you won't be able to get insurance, or that you'll pay exorbitant prices for your policy.
Never fear, Cloverleaf Insurance can insure a huge diversity of drivers, including:
- DUI and ticket recipients
- SR-22 carriers
- Motorcyclists and RV owners
Normal, IL Car Insurance Frequently Asked Questions
The minimum Illinois liability insurance is often cheapest. Still, that doesn't mean it is the best for the drivers in Normal. We always encourage drivers to carry higher coverage. The best policy is what is best for you. That is because you are a unique driver who faces unique driving risks.
Your car insurance should minimize or eliminate your out-of-pocket losses should accidents occur. Therefore, you need to have full coverage. Your agent will take a close look at such factors as your credit score, vehicle value and driving risks to determine the right options to include on your policy.
While buying full coverage might cause a premium to jump, we can help you manage price increases (and qualify for discounts) to always keep your policy affordable.
Factors like your driving record, accident history, location and other demographic information will help your agent set your premium. Cloverleaf Insurance's agents will compare these factors alongside our multiple policy choices to see which ones offer you the best balance of coverage and price. Therefore, you'll never pay too much for your policy, or waste money on coverage that isn't your best fit.
Yes, age is a factor that can impact your rates. For example, a 22-year-old might pay more for their coverage than a 30-year-old because younger people usually have less driving experience.
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