Illinois Auto Insurance Agents

If you live in Illinois and are looking for an auto insurance agent to help you with your insurance needs, you've come to the right place.

Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. They are able to compare prices from different insurance companies and find the best combination of coverage and cost. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers without breaking the bank. That's important in today's economy!

A qualified Illinois Auto Insurance agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If you would like to receive a quote from a qualified agent, please use our Agent Locator. It offers an extensive list of professional agents in your local area.

Compare Auto Insurance in Illinois

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Illinois requires the following minimum coverage amounts to be purchased and maintained by all motorists:

• $20,000 total for bodily injury coverage, per person
• $40,000 total for bodily injury coverage, per accident
• $15,000 total for property damage, per accident

Illinois also mandates that all drivers carry Uninsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance. The minimum coverage amounts are:

• $20,000 total, per person
• $40,000 total, per accident

Underinsured Motorist coverage pays the difference between the uninsured motorist coverage and the at-fault driver's liability coverage. Illinois requires this only when you purchase higher limits of uninsured motorist coverage.

It's important to remember that these amounts are strictly the minimum which the State of Illinois requires to maintain legal coverage. Many times, these minimum numbers are woefully inadequate to fully cover damages which occur in an accident for which you are found legally responsible. To avoid having to pay the cost difference out-of-pocket, you may want to consider choosing higher amounts of insurance coverage when you purchase your own policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For answers to any other questions, please contact:

Illinois Department of Insurance- Main Office

320 W. Washington Springfield, IL 62767

(217) 782-4515

Illinois Department of Insurance- Chicago

James R. Thompson Center 100 W. Randolph Street Suite 9-301 Chicago, IL 60601

(312) 814-2420

Tips to saving money on your insurance premiums

• Raise your deductible. Remember, the higher your deductible, the lower the cost.
• Maintain a clean driving record. This can add up to big savings when buying auto insurance.
• If you have a teenage driver in the family, ask about a good student discount.
• If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
• Completion of defensive driving/driver's safety courses from an accredited company can also save you money on premiums.
• Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Check your credit score before applying for insurance to make sure it is accurate and up-to-date.

By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!