Review of Illinois auto insurance requirements

Illinois includes countless miles of American heartland stretching from the shores of the Mississippi to the boarders of Indiana.  In between these borders are countless towns, cities, and attractions that bring people to this amazing state.  Whether drawn to the metropolitan lights of Chicago or taking a vacation in beautiful parks like Shawnee National Forest, Illinois has everything.  

Getting around this state requires a car for the most part.  In becoming a legal driver in the state, there are several requirements that you will have to meet.  Chief among these requirements is proof of insurance on the vehicle you are driving.  With that in mind, lets take a moment to review Illinois auto insurance.

Insurance Requirements If You Are Out Of State

If you are out of state, then you must meet all the insurance requirements of the state you have residency in prior to arriving in Illinois.  Failure to have auto insurance in Illinois means being subject to the same penalties that residents have to deal with.  Instead of taking the chance, get auto insurance before you come to the state.

Meeting Your Basic Requirement For Illinois Auto Insurance

In the state of Illinois it is required that your auto insurance, at least covers uninsured motorist coverage and liability coverage.  Liability coverage includes $50,000 in total for all bodily injury in the event of an accident, $25,000 for bodily injury, and $25,000 for property damage of any and all types.  In contrast, the uninsured motorist coverage provides a minimal of $25,000 per person and $50,000 per accident.  Unavoidable, these costs help to set the minimal costs you will have to pay.

Consider Getting More Illinois Auto Insurance

The basic requirements listed above are just the beginning when it comes to Illinois auto insurance.  Most people, including the Illinois government will suggest that you improve on this coverage, especially if you drive your vehicle a lot, require it for work, and your vehicle is in good condition.  This is because basic coverage does not provide coverage beyond the bare bones.  If you want a wider range of coverage to include things like the cost to your own vehicle if you are at fault, then you need things like collision to help cover these costs.  If not, then every time you step out your door and go for a drive you are risking the health of your car and your ability to drive in the future.  Though it will cost you in yearly or twice-yearly payments, it is always worth doing if you can afford it.  The moment you are in an accident, you will understand why.