While there are some states that where licensed drivers are not required to carry auto insurance, it is required in Illinois. Auto insurance not only protects you, the driver during an auto collision, it also protects the other people involved are affected by an accident. The financial consequences of not having auto insurance can be much greater than the monthly auto insurance payment.
Illinois law requires that drivers carry the minimum of at least $20,000 for the death or injury of one person, $40,000 for the death or injury of one or more people and $15,000 to cover property damage. Insurance policies can offer much more if the driver can afford to pay more.
After purchasing an insurance policy, drivers will given proof of coverage that they are required to carry any time they are driving. Should a law enforcement officer ask to see proof of insurance and it cannot be produced, the driver can be fined or required to make a court appearance in order to show proof of coverage. If a driver is found to be driving without insurance coverage they can be fined a minimum of $500 and the drivers license plates can possible be suspended. The complications of driving without insurance far outweigh the inconvenience of securing proper auto insurance coverage.
The cost of auto insurance varies, based on a number of factors including the drivers record and credit history, but also the drivers age and type of vehicle that is being insured. The level of insurance can also have a significant impact of the price. Many drivers like choose full coverage because the feel more comfortable that everything is covered should something happen.
However, people with lower incomes can’t always afford full coverage and often look for Cheap Car Insurance, usually just covering the drivers liability. Finding a good, dependable insurance company is as easy as searching Auto Insurance Calumet City on the Internet. Drivers will find a variety of companies to choose from and will often have the ability to receive instant quotes online or by calling the agency. This is helpful in finding the least expensive Auto Insurance Calumet City companies have to offer.
