How to Choose a Car Insurance Plan

 In Car Insurance

Deciding what type of car insurance plan Chicago residents need can be a headache. How much coverage do I need? Am I abiding by the minimum state requirements? Should I add drivers or exclude drivers? The most important question we ask ourselves is how much will all of this cost? Continue reading to learn how to choose a car insurance plan in Chicago.

Minimum Coverage

It’s important to know your mandatory state coverage criteria before purchasing a car insurance plan. In the state of Illinois, drivers are required to purchase the following insurance under mandatory coverage:

  • $20,000 bodily injury per person per accident
  • $40,000 bodily injury for all persons per accident
  • $15,000 property damage liability

If you carry this basic coverage, you are within the minimum coverage guidelines. However, you can add as much coverage as you want on any car insurance plan. Let’s look at some other plans more closely.

Full Coverage Plans

Full coverage car insurance plans consist of collision or comprehensive coverage. You also have the option of getting both. Coverage rates vary by the amount of insurance you decide to purchase. Collision car insurance is designed to protect you, whether you are at-fault or not. Comprehensive insurance protects you when your vehicle is a victim of theft or vandalism. Rates can get expensive with these types of car insurance plans so make sure you get a good quote that offers maximum coverage at a reasonable price.

Add-Ons

You have the option to mix and match a car insurance plan in Chicago with add-on coverage like car rental insurance, roadside assistance and uninsured motorist insurance. Rental insurance and roadside assistance are typically available when you have a full coverage car insurance plan. Uninsured motorist is an additional liability insurance for when the other driver doesn’t have any type of car insurance.

If you’re looking for the best car insurance plan in Chicago, contact us to speak with a representative about all of your options.

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