Moving to a new state brings lots of changes; some exciting and some confusing. One of the changes you'll need to make is in car insurance. Most states, including Illinois, require that you transfer your car insurance within six months of relocating to the state. This window of time gives you the chance to shop around and fully evaluate several Illinois car insurance companies before you make a decision. When you begin shopping around for your Illinois car insurance, there are some things you'll need to look for.
Who offers the best rates? - Illinois car insurance is some of the most affordable in the nation, and they have some fairly low requirements. If you're going for the minimum coverage, you're required to carry the following: Bodily Injury Liability coverage with $20,000/$40,000 limits. In addition, you must carry Property Damage liability coverage with a $15,000 limit and uninsured motorist bodily injury with $20,000/$40,000 limits.
Most Illinois drivers carry more than the minimum required, and it's wise to check rates on carrying higher limits on the required coverage, just to be certain that you're adequately covered in the event of an accident. In addition, you may want to consider optional insurance, such as collision and comprehensive insurance. Since it's likely that your rates will be lower in Illinois than your previous state, you may find that you can easily afford more coverage. Ask for quotes from several companies with the same coverage to get a good idea who has the best rates.
Who will be easiest to deal with if I file a claim? - Don't make your decision on your cheap Illinois car insurance quote based solely on rates, however. There are a number of insurance companies that offer great rates, but are able to do so because they skimp on customer service. When you've been in an accident, you want to be able to count on a company that will respond to your claim quickly and fairly. Before you decide to go with a new insurance company, check with friends and neighbors who have used the company you're considering. Make sure to talk with a few people who have filed a claim with them to find out about their experiences.
With today's technology, it's easier than ever to shop for your Illinois car insurance. You can shop online or over the phone and have several quotes gathered quickly. Just be certain to take the time you need to evaluate each company before you make a decision. You want the best deal, the best coverage and the best customer service.
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