The state of Illinois mandates that residents carry liability insurance as well as uninsured motorist bodily injury (UMBI) insurance. The required amounts by law are as follows:
- $25,000 per person for bodily injury
- $50,000 per incident for bodily injury
- $20,000 per incident for property damage
- $25,000 per person for UMBI
Therefore, the above listing gives the required amounts that you must obtain when buying state-required car insurance in Mundelein, IL. Not having this coverage can set you back legally and financially so if you drive in the state of Illinois, you need to obtain the insurance.
Good Driver Discounts
When you are choosing car insurance, you need to consider your driving history when making a selection. You can obtain insurance at a lower cost if you have not had any accidents or moving violations. Keep this in mind while shopping for coverage as good driver discounts are offered.
Have You Been Involved in a Collision?
If you have had an at-fault crash, typically the incident will increase the premium that you pay for car insurance coverage. If you are responsible for a collision, you normally will have to pay more for your auto insurance policy.
What Is Your Credit Score?
Rates are also determined by your credit score. If you live in Illinois, having a poor credit score can affect your premium more than if you have had an at-fault collision.
Insurance for Seniors
Contrary to popular belief, older drivers who are retired normally pay lower rates for their car insurance than good drivers who are younger. While retirees may worry that the aging process will affect their premium, the cost is normally lower than what it is for younger drivers. That is because older drivers spend less time driving and therefore log fewer miles per year.
Where to Obtain Information Online
If you want to know more about obtaining auto insurance in Illinois, visit us website Review your coverage options carefully online before you sign up with an insurer. Obtain the best possible rates for your gender, age, and driving practices.
