All drivers in Illinois must maintain at least the minimum for auto insurance coverage or face penalties. While drivers can choose any coverage level, the state requires at least auto liability coverage. Reviewing opportunities for cheap car insurance in Joliet, IL could help these auto owners save on their monthly premiums.
What Are the Minimum Requirements?
Illinois requires all drivers to purchase auto liability offering a minimum of $25,000 and a maximum of $50,000 of coverage. In addition, the policy must provide at least $20,000 in coverage for property damage. Auto liability is considered cheap car insurance in Joliet, IL, offering the minimum coverage level as required by law.
How to Decrease Monthly Premiums?
First, your age affects how much you pay for auto insurance. For example, if you are over 25, you get a discounted rate compared to drivers under 25. Next, you could get a discount by maintaining a safe driving record. Finally, some insurers offer a discount after the first year of coverage.
Increasing your deductible offers a lower monthly premium and savings. An insurer can give details about deductibles to help you decide what is right for you.
Improving your credit scores can decrease the premiums. But on the other hand, negative listings and lower credit scores could make you a financial liability, and you could pay more for coverage.
Auto insurance coverage for medical and auto repair expenses after a car accident. Auto owners can choose any coverage level they want as long as they meet the minimum mandate for insurance. Contact Accurate Auto Insurance for a free quote.