Finding the right auto insurance in Illinois can be challenging, especially for drivers with accidents on their records. However, understanding your options can help you secure more affordable coverage without sacrificing quality. In this guide, we will explore auto insurance for drivers with accidents on record in Illinois, including tips to save money and improve your chances of getting better rates.
When you have an accident on your driving record, insurance companies often view you as a higher risk. This perception typically leads to increased premiums. However, Illinois has specific regulations and a competitive market that can work in your favor.
Understanding Illinois Auto Insurance Requirements
In Illinois, all drivers are required to maintain liability insurance. The minimum coverage limits are:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $20,000 for property damage per accident
Drivers with accidents may need to consider higher coverage limits to satisfy the requirements of certain insurance companies. Additionally, obtaining a SR-22 may be necessary if your license has been suspended due to violations.
Types of Insurance Coverage Available
For drivers with accidents on their records, several types of insurance coverage are available:
- Bodily Injury Liability: Covers medical expenses and damages in accidents where you are at fault.
- Property Damage Liability: Pays for damages you cause to someone else's property.
- Collision Coverage: Covers damage to your vehicle from a collision, regardless of fault.
- Comprehensive Coverage: Protects against non-collision-related incidents, such as theft or natural disasters.
Tips for Finding Affordable Auto Insurance
Even with a less-than-perfect driving record, you can still find affordable auto insurance in Illinois. Consider these strategies:
- Shop Around: Different insurers have varying rates, so comparing quotes from multiple companies can help you find the best deal.
- Consider A Higher Deductible: Raising your deductible can result in lower monthly premiums, though it means more out-of-pocket costs in an accident.
- Take Advantage of Discounts: Look for discounts for safe driving, completing defensive driving courses, or bundling policies.
- Maintain a Clean Driving Record: Avoiding additional violations and accidents post-incident can improve your rates over time.
Improving Your Driving Record
To ultimately lower your insurance premiums, focus on improving your driving record:
- Take a defensive driving course to demonstrate commitment to safe driving.
- Monitor your driving habits and make necessary adjustments.
- Stay informed about the laws in Illinois to avoid future violations.
Conclusion
Though having accidents on your record may complicate your search for auto insurance in Illinois, it doesn't have to seal your fate as a high-risk driver. By understanding your options, comparing quotes, and taking steps to improve your driving habits, you can find a policy that meets your needs without breaking the bank.
