Illinois Full Coverage Auto Insurance Requirements

Understanding The Basics of Full Coverage Auto Insurance

Full coverage auto insurance is a term often used to describe a combination of coverages that help protect you, your vehicle, and other people in the event of an accident. When purchasing car insurance in Illinois, you may hear the term “full coverage” used in reference to having both liability and physical damage coverage. However, full coverage can mean different things to different people, so it’s important to understand exactly what is included in a full coverage policy.

In Illinois, the minimum liability coverage required by law is $25,000 for bodily injury or death to one person, $50,000 for bodily injury or death to two or more people, and $20,000 for property damage in a single accident. Liability coverage is designed to pay for the medical expenses and property damage expenses of other people in an accident that you cause. While this is the minimum amount of coverage required by law, it may not be enough to cover all of the expenses related to an accident. That’s why it’s important to understand what is included in a full coverage policy.

What Does Full Coverage Auto Insurance Include?

Full coverage auto insurance typically includes liability coverage, as well as physical damage coverage. Physical damage coverage includes comprehensive coverage, which pays for damages to your vehicle that are not caused by a collision, such as theft or vandalism, and collision coverage, which pays for damages to your vehicle caused by a collision with another vehicle or object. In addition, full coverage auto insurance typically includes uninsured/underinsured motorist coverage, which pays for damages to your vehicle caused by another driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses.

Do I Need Full Coverage Auto Insurance?

Whether you need full coverage auto insurance depends on a few factors. If you have an older vehicle or a vehicle with a high mileage, you may not need full coverage. However, if you have a new vehicle or a vehicle with a low mileage, you may want to consider full coverage auto insurance. Additionally, if you have a loan or lease on your vehicle, you may be required to have full coverage auto insurance. It’s important to understand your own individual needs when it comes to auto insurance so that you can make an informed decision.

How Much Does Full Coverage Auto Insurance Cost?

The cost of full coverage auto insurance in Illinois can vary depending on a variety of factors, including the make and model of your vehicle, your age and driving record, and the type of coverage you choose. In general, full coverage auto insurance tends to be more expensive than liability-only coverage because it provides more protection. However, the added protection may be worth the extra cost if you want to make sure you’re fully covered in the event of an accident.

How Can I Get Full Coverage Auto Insurance in Illinois?

If you’re ready to get full coverage auto insurance in Illinois, the best place to start is by shopping around and comparing quotes from different insurance companies. Comparing quotes from multiple companies can help you find the best rate for the coverage you need. Additionally, an independent insurance agent can help you find the right coverage for your needs and budget. An independent insurance agent can also answer any questions you have about full coverage auto insurance and help you understand the terms and conditions of your policy.