Frequently Asked Questions about Illinois Car Insurance

Here are the answers to the most commonly asked questions about Illinois car insurance.

How do I apply for Illinois car insurance?

You can apply for Illinois car insurance by filling out our free, online application. Just click "continue" anywhere on our website. The application will only take you two or three minutes to fill out. Once you submit your application, we will provide you with up to five free quotes on Illinois car insurance policies from various insurers. You will see these quotes in easy-to-understand terms to help make your comparison more valid. We present our quotes side-by-side, which makes your comparison shopping convenient and hassle-free. All you have to do is compare policies to decide which is right for you.

What car insurance company will provide my policy?

We partner with a large network of insurers from across the country. Which companies will supply your quotes will depend on your needs, preferences, and geographic location. We will give you a choice of at least four different insurers who can offer you competitive Illinois car insurance policies. Some of the companies that participate in our network include Allstate, American Family, Nationwide, and Farmer's.

What coverages do I absolutely need?

You will need to check the mandatory insurance requirements of your state to determine which coverages you will need to drive legally. You can find this information on your state's department of insurance website. Most states require certain levels of bodily injury liability and property damage liability coverages.

Which coverages can I eliminate?

You can eliminate some coverages from your Illinois car insurance policy if you want to keep your premiums to a minimum. Medical payments coverage is usually unnecessary if you have a good health insurance policy. Additionally, collision coverage is largely unnecessary if you drive an older car. Collision coverage will only reimburse you for the cash value of the car. Thus, if your car has minimal cash value, you can probably eliminate the coverage from your policy.

Will my credit affect my premiums?

Yes, insurers use your credit history as one measure of risk. Typically, those with poor credit history represent a higher risk to insure. The best way to find an affordable Illinois car insurance policy if you have bad credit is to shop around. For more information, please check out our how to save money on premiums page.