East Coast Auto Insurance offers top rated Illinois auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
A traditional ‘tort’ state, Illinois does not accept indemnity bonds as financial proof of responsibility, thus mandating you purchase an Auto Liability policy with the following minimums:
- $20,000 bodily injury per person, per accident
- $40,000 bodily injury for two or more persons, per accident
- $15,000 property damage
Should you be involved in an accident and be legally found to be at fault, these ‘minimum’ coverage limits will not be sufficient to cover the additional expenses and the sometime lawsuits associated with them.
What are the rules regarding whether a driver has prior insurance? That is, how does state law handle it if a driver has no prior insurance or has let their previous insurance lapse?
If your insurance lapses in the state of Illinois, at the time it lapses, you will be considered uninsured. If you are caught driving without insurance in Illinois, you will receive a citation. If you cannot prove that you had the minimum levels of auto liability insurance at the time you were caught, you will have to pay a minimum fine of $500 and a mandatory $100 to reinstate your registration.
What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?
While many auto insurance companies in the state of Illinois will not use your Personal Credit History to extend an offer for insurance, Illinois law does allow the use of Personal Credit History as an assessment of risk tool. Illinois insurance companies place a significant amount of weight on driving records, type of vehicle being covered, sex and age of drivers, place of residence, and number of drivers on the policy.
At East Coast, we review each application, determine appropriate coverage and insure that you, your family and your assets will be fully protected in case of an accident. We offer medical insurance, uninsured/underinsured motorist protection and umbrella policy coverage – all at affordable rates
We strive to provide the very best for you – our client!
Call now 888-206-0565
Here are some of the car insurance companies which will possibly underwrite your policy:
- 21st Century
- AAA
- Allstate
- Esurance
- Geico
- Liberty Mutual
- Nationwide
- Progressive
- State Farm
- Travelers
- Zurich