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Understand Illinois State Requirements Before you go shopping for car insurance in Chicago, you should first understand the state's minimum law requirements. Illinois has a bodily injury (BI) minimum of $20,000 (per person in an accident) and $40,000 (per accident total). For property damage (PD), the minimum liability coverage you'll need is $15,000 (per accident). Property damage insurance covers a person's car and other items such as buildings, signs, fences, trees and utility poles. Though these seem to be huge dollar amounts, you might consider purchasing additional coverage to protect you and your personal assets in the event of a lawsuit. Insurance does not always fully cover money for damages that are granted in a lawsuit, but can definitely help ease the financial burden. Other requirements in Illinois include Uninsured Motorist (UM) coverage, which is $20,000 (per individual) and $40,000 (per accident) and Underinsured Motorist (UIM), which is only required if you buy higher limits of UM coverage. You might also be required by your automobile lender to carry collision and/or comprehensive coverage. These can be dropped once your loan is paid off, but the decision to keep or drop these is entirely yours. You should weigh the actual value of your vehicle against the premium amount to determine if it's worth keeping the additional coverage. Coverage versus Pricing If you live in Chicago, compare various insurance providers that are licensed to operate in Illinois to find affordable rates. There are many types of coverage available, so you'll need to base your quote comparisons on how much coverage is provided. Some coverage options to consider are accidental death, custom equipment (non-factory such as CD players, cell phones, CB radios, etc.), medical payments, towing, physical damage, uninsured motorist property damage, rental car coverage, and GAP coverage (financed or leased vehicles). If you find a low rate that fits your budget, make sure the policy provides adequate coverage to meet your needs. Ways to Save Money on Chicago Car Insurance There are numerous ways to save money on your insurance premiums. One is to keep a clean driving record. Avoid speeding and other types of tickets and encourage other family members to do the same. A clean driving record will win points with many top insurance providers. Your credit history or credit score will also affect your premium. Many providers feel that someone with excellent credit will also be a more careful driver. Keep up with your mileage because a low annual mileage can lower your rates. You can also install anti-theft devices to protect your car from vandalism or theft. If you've recently graduated from school or have a teen student driver in the home, good grades and safe driving courses can help you receive insurance discounts. Also, ask insurance providers about signing on multiple vehicles in the household for a discount. If you're thinking of buying a new or used car, avoid sports cars and opt for a car with all the latest safety features. Another way to lower your insurance premium is to choose a high deductible. You'll have to pay more out of pocket if there's an accident, but you'll save on your overall premium each year. Use these tips for finding cheap car insurance in Chicago, IL to compare quotes online. It's a great way to save money year after year! Find Low Cost Insurance Today! Compare Quotes on Car Insurance and Save over 500.00 a Year!. Article Source: http://EzineArticles.com/expert/JC_Denton/485814 Article Source: http://EzineArticles.com/3624134

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