Getting an Illinois online car insurance quotation from a variety of companies is step one in finding the best possible car insurance for your needs. You will need to understand what is required, what is suggested and then compare quotes from reputable companies. Take the time needed to make sure that your next car insurance policy is worthy before you commit to it.

Mandatory Coverage for Your Illinois Online Car Insurance Quotation

Illinois is one of the bigger states in terms of population and therefore has more cars on its roads than in many other places. It requires car owners to carry both liability and uninsured motorist coverage. The mandated limits for liability are $20,000 for bodily injury per person, $40,000 for bodily injury per accident and $15,000 property damage per accident. These limits are higher than many other states but could still prove to be dangerously low. Consider limits that are more in the range of $100,000/ $300,000/$100,000.

Illinois also requires drivers to carry Uninsured Motorist coverage in the amounts of $20,000 per person and $40,000 per accident. This makes a lot a sense because the state has a 14.9% rate of uninsured drivers, making it 20th in the country. This coverage protects the consumer from those drivers, but again should be carried in higher limits.

Other Types of Coverage for Your Illinois Online Car Insurance Quotation

Collision and comprehensive give the policy holder personal property damage coverage. Because Illinois is the 6th highest state in car theft incidences, comprehensive is important to carry. It also covers fire, storm damage and other types of damage. Collision provides for repair or replacement when you are the one at fault in an accident. If your vehicle has a significant value, these types of coverage are important to carry. In fact, if you have a loan on your vehicle, the lien holder will require you to carry both collision and comprehensive.

Towing and labor and rental car coverage are other good coverage options to have also. However they are not as necessary as the other types of coverage mentioned above. Before you add them, be sure they are not already provided by another service you subscribe to.

Getting Your Illinois Online Car Insurance Quotation

Start shopping around today for your Illinois online car insurance quotation. Get a variety of quotes from different companies using an online quote tool like InsuranceBestPrices.com and compare them for price, coverage and the reputation of the company. That way you get the best online car insurance quotation and the best policy possible!