Cheap Illinois Auto Insurance Quotes and Rates

Liability Coverage - Pays for bodily injury to another person or property damage you cause due to the negligent operation of a vehicle. It may also pay if the accident was caused by a member of your family living with you or a person using your vehicle with your permission. The coverage may also pay for a legal defense if you're sued because of the accident. Liability coverage is often split into two separate coverage:
Bodily Injury (BI) Pays for costs due to injury or death to a pedestrian (s) or person (s) in another car. It may also cover your passengers' injury costs as long as they aren't members of your household. Illinois law requires BI limits of at least $20,000 per person per accident and $40,000 total per accident.
Property Damage (PD) Pays for damage to another person's car or property such as fences, buildings, utility poles, signs, and trees. Illinois lawrequires PD liability limits of at least $15,000 per accident. (Note: You may want to consider buying higher limits because the state minimums may not be enough to fully protect you from lawsuits. Many vehicles today are worth more than $15,000 and medical bills for injuries could easily exceed $20,000 for one person. If found negligent in an accident and the damages exceed your insurance limits, you can be sued in court for those amounts not covered by your insurance).
Uninsured Motorist Bodily Injury Coverage (UM) - Covers you for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. Currently, Illinois law requires uninsured motorist limits of $20,000 per person and $40,000 per accident. For additional premium, you may buy higher limits to pay for claims that exceed those amounts.
Underinsured Motorist Bodily Injury Insurance (UIM)- Pays the difference between your UIM limits and the liability limits of the at-fault driver, if lower than your UIM limits. Illinois law requires this type of coverage if you purchase higher limits of uninsured motorist bodily injury coverage (UM). Click below to find cheap Illinois Auto Insurance Quote.